Start with how the property will be used
An owner-occupied commercial mortgage can help finance premises used by your own business. A commercial investment mortgage is for property let to another business. Mixed-use property combines commercial and residential space, such as a shop with a flat above.
Tell Anwar what you want to buy or refinance, who will occupy it and how it will be used. These details help establish which type of finance may be relevant.
Build a clear picture of the application
A commercial mortgage application brings together the property and the business behind it. The information requested will depend on your circumstances and the lender.
For an initial conversation, outline the purchase price or estimated value, the borrowing required and your available deposit or equity. Explain the business activity, ownership structure and any existing borrowing.
- Property address, type and intended use
- Purchase price or estimated value and borrowing needed
- Deposit or equity and its source
- Business accounts and recent bank statements, where available
- Lease and rental details for an investment property
Review an existing commercial mortgage
If you already own the property, start with your current mortgage balance, repayment terms and any charges for leaving the arrangement. Explain what you want a refinance to achieve.
Consider how the repayments would fit your business plans and cash flow. An initial discussion does not commit you to an application or guarantee that finance will be available.
Understand the costs before proceeding
Ask for a clear explanation of the proposed borrowing, repayments, term and fees. Check any arrangement, valuation, legal and broker costs, as well as early repayment charges and any personal guarantee requirements.
Discuss the fees and service available for your commercial enquiry with Anwar at the outset. The residential and buy-to-let fee examples on this website should not be treated as a commercial mortgage quote.
GOOD QUESTIONS. CLEAR ANSWERS.
Your questions answered.
Can I discuss buying premises for my own business?
Yes. Tell Anwar about your business, the premises and your proposed purchase. He can explain the information needed and the next steps available for your enquiry.
Can I enquire about a property let to another business?
Yes. Include the property details and any existing or proposed tenancy in your initial enquiry. The lease, property and wider application will need consideration.
What about a shop with a flat above?
Tell Anwar about both parts of the building and who will occupy them. Mixed-use arrangements need to be considered on their particular facts.
How much deposit will I need?
There is no single deposit figure for every commercial enquiry. Discuss the property, borrowing required and available funds with Anwar before making assumptions.
How do I get started?
Book an appointment or choose Commercial mortgage in the contact form. Keep the initial enquiry brief; Anwar will confirm any supporting documents required.
General information, not a personal recommendation. Lender criteria can change. Last reviewed 19 October 2026.