🏢 Commercial mortgage broker · North West & nationwide

Commercial mortgages

Whole-of-market commercial mortgage broker for UK businesses, landlords and property investors. Based in the North West, serving Manchester, Bolton, Wigan and clients nationwide.

📞 Call Now — 07359 911 696 Request a Callback

Free initial chat · No-obligation quotes · Whole-of-market access

⭐ 5.025+ Google reviews
60+Lenders accessed
10+Years experience
NWNorth West based

Why call us first?

Commercial property finance is complex, individually priced, and full of lenders most business owners never even hear about. Here's why a quick phone call is the smartest first move:

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Whole-of-market access

We reach commercial mortgage lenders that don't deal directly with borrowers — including specialist and challenger lenders for tricky cases.

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Honest answers in plain English

Even before you commit to anything, we'll tell you straight whether your plan stacks up and what it'll realistically take.

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Specialists in complex cases

Bad credit, semi-commercial, portfolio landlords, unusual properties — the cases other brokers shy away from are the ones we handle.

📞 Call 07359 911 696 — speak to a commercial specialist

What is a commercial mortgage?

A commercial mortgage is a loan secured against property used for business — shops, offices, warehouses, industrial units, or property you're buying as an investment. It's the business equivalent of a residential mortgage, but underwritten very differently: the lender looks at your business, your accounts, and the property all together.

People use the terms "commercial mortgage" and "business mortgage" interchangeably — they mean the same thing. Whether you're buying premises for your own business to trade from, or buying commercial property to let out, a commercial mortgage is usually the long-term finance that makes it happen.

Because every business and every property is different, commercial lending is rarely "computer says yes or no." It's individually assessed — which is exactly why talking to a broker who knows the lenders pays off.

Not sure if you need a commercial mortgage or a buy-to-let? Call 07359 911 696 — we'll tell you straight.

Who we help

We arrange commercial property finance for a wide range of businesses and investors:

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Business owners buying premises

Stop renting and own the property your business trades from. Owner-occupied commercial mortgages for shops, offices, units and more. Call to discuss →

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Portfolio landlords

Expanding or refinancing a property portfolio. We understand portfolio underwriting and the lenders who welcome it. Call to discuss →

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Property investors

Buying commercial real estate as an investment. Commercial investment mortgages assessed on rental income and your position. Call to discuss →

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Semi-commercial buyers

Mixed-use property — the classic shop-with-a-flat-above. Semi-commercial mortgages need specialist lenders. We know them. Call to discuss →

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Commercial buy-to-let landlords

Buying commercial property to rent out — retail, office, or mixed portfolios. Commercial buy-to-let mortgage advice. Call to discuss →

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Developers needing exit finance

Finished a project and need to refinance onto a longer-term commercial mortgage? We arrange development exit finance. Call to discuss →

Commercial mortgage calculator

Want a rough idea of monthly costs before you call? A commercial mortgage calculator gives you a ballpark figure based on the loan amount, an estimated rate, and the term.

Open our calculators →

A calculator gives you a ballpark. We give you a real number.

Commercial lending is individually priced — your real figure depends on your business, the property, the lease, and the lender's view of the risk. No calculator can see all that. For a real number based on your situation, call 07359 911 696 — it takes about five minutes.

Types of commercial mortgages we arrange

Owner-occupied commercial mortgages

For businesses buying the premises they trade from. Instead of paying rent to a landlord, you build equity in your own asset. Lenders assess your business accounts and the property's value.

Commercial investment mortgages

For buying commercial property as an investment to let out. Also called commercial property mortgages, these are assessed largely on the rental income the property produces and the strength of the tenant.

Semi-commercial mortgages

For mixed-use property — part commercial, part residential, like a shop with a flat above. These sit between residential and commercial lending and need a lender comfortable with mixed-use. A genuine specialism of ours.

Commercial buy-to-let mortgages

For landlords buying commercial units to rent out, whether a single property or as part of a portfolio. Commercial buy-to-let lenders focus on rental yield and your experience as a landlord.

Commercial mortgage loans for refurbishment

For buying a commercial property that needs work before it's fit for purpose or fully lettable. We'll talk through whether a commercial mortgage or short-term finance is the better route for a refurbishment project.

📞 Not sure which fits? Call 07359 911 696

Commercial bridging finance

Sometimes a long-term commercial mortgage isn't the right tool — you need to move quickly, and a mortgage takes too long. That's where commercial bridging finance comes in: short-term lending (months, not years) designed for speed.

Common uses for commercial bridge financing:

  • Auction purchases — where you need to complete within 28 days
  • Chain breaks — securing a property before another sale completes
  • Refurbish before refinance — buy, improve, then move onto a commercial mortgage
  • Development exits — short-term cover while you sell or refinance a finished project

Bridging is a different product with different risks and costs to a commercial mortgage. If you think you might need to move fast, we'll talk you through whether bridging or a mortgage is the right fit. Learn more about our bridging finance options.

📞 Need to move quickly? Call 07359 911 696

Why use a commercial mortgage broker?

You can approach lenders directly — but most business owners find a commercial mortgage broker saves them time, money, and a lot of frustration. Here's why.

First, access. A large part of the commercial mortgage market doesn't deal directly with borrowers at all. Specialist and challenger lenders, who often have the best appetite for unusual or complex cases, only accept business through brokers. A commercial mortgage brokerage opens doors you simply can't reach on your own.

Second, negotiation. We negotiate on rates, fees, and terms — and because we place regular business with lenders, we know what's genuinely achievable versus what's just an opening offer. A commercial mortgage agent who knows the market can often improve on the deal you'd be offered directly.

Third, packaging. Commercial lending lives or dies on how well the case is presented. We package your business accounts, the property details, and your plans into a proposal lenders can say yes to — which matters enormously for complex cases, portfolio landlords, and anyone with adverse credit.

📞 Put our access to work — call 07359 911 696

Commercial mortgage rates & lending criteria

The honest truth about commercial mortgage rates: there's no published "rate" we can point you to, because commercial lending is priced individually. Two businesses buying similar properties can get very different rates depending on their accounts, the property, and the lender's appetite at that moment.

What actually drives your rate and terms:

  • Loan-to-value — how much you're borrowing against the property's value. Lower LTV usually means better terms.
  • Property type — standard commercial, semi-commercial, and specialist properties are priced differently.
  • Business strength — your trading history, accounts, and profitability all feed into the lender's view.
  • Term length — commercial mortgages typically run over a range of terms, affecting monthly cost.
  • Deposit — the more you put in, the lower the lender's risk and usually the better the deal.

Because lender appetite shifts month to month, the only accurate rate is one quoted for your specific situation, today. Want a real rate for your situation? Call 07359 911 696.

Local commercial mortgage broker — North West & nationwide

We're based in the North West and we know the local commercial property markets — Manchester city centre offices, Bolton industrial units, Wigan retail, Greater Manchester semi-commercial. When you call, you'll get answers from someone who actually understands the area you're buying in.

We offer face-to-face meetings across Manchester, Bolton, Wigan, Bury, Leigh, Warrington, Salford and Stockport — and phone or video meetings for clients anywhere in the UK. Local knowledge where it helps, national lender access throughout.

If you're a North West business owner, you'll get answers from someone who knows the area. Call 07359 911 696 — local broker, national lender access.

Commercial mortgage FAQs

What is a commercial mortgage?
A commercial mortgage is a loan secured against property used for business — shops, offices, warehouses, industrial units, or investment property. Unlike a residential mortgage, the lender assesses the business and the property together. Call us to talk through your situation.
How do I calculate a commercial mortgage?
A commercial mortgage calculator gives you a rough monthly cost from the loan amount, rate, and term. But commercial lending is individually underwritten — the real figure depends on your accounts, the property, the lease, and the lender. We can usually give you an honest indication in one phone call.
What are typical commercial mortgage rates in the UK?
Commercial rates aren't fixed like residential rates — they're priced individually based on your business, the property, the loan-to-value, and the term. The only accurate rate is one quoted for your specific situation. Call us and we'll give you an honest indication.
What is a semi-commercial mortgage?
A semi-commercial (or mixed-use) mortgage is for properties that are part commercial, part residential — the classic example being a shop with a flat above. These need specialist lenders who understand mixed-use, which is exactly the kind of case we handle.
What is a commercial buy to let mortgage?
A commercial buy-to-let mortgage is for landlords buying commercial property to rent out — retail units, offices, or portfolios. The lender focuses on the rental income the property generates as well as your wider position as a landlord.
Do I need a commercial mortgage broker?
You don't have to use one, but most business owners benefit. A broker accesses lenders that don't deal directly with borrowers, negotiates on rates and fees, and packages complex cases properly. For anything beyond the simplest deal, a broker usually saves time and money. We can talk it through on the phone.
Can I get a commercial mortgage with bad credit?
Often, yes. Commercial lenders take a more individual view than residential lenders, and some specialise in adverse credit. The deal depends on the strength of the business and the property. We handle complex and adverse-credit commercial cases regularly — see also our bad credit mortgage advice.
What's the difference between a commercial mortgage and commercial bridging finance?
A commercial mortgage is long-term finance for holding a property. Commercial bridging finance is short-term — for moving quickly on an auction purchase, a chain break, or refurbishing before refinancing. They solve different problems. Read about our bridging finance options or call to talk it through.
How long does a commercial mortgage take to arrange?
Commercial mortgages aren't quick — typically several weeks to a few months, because the lender assesses your accounts, the property, and usually a commercial valuation. If you genuinely need to move fast, commercial bridging finance is the short-term alternative. We'll be honest about realistic timescales upfront.
Do you offer commercial mortgages in Manchester, Bolton and Wigan?
Yes. We're based in the North West and know the local commercial markets across Manchester, Bolton, Wigan and Greater Manchester. Face-to-face meetings across the region, phone or video meetings for clients anywhere in the UK.

Speak to a commercial mortgage specialist today

📞 07359 911 696

Or request a callback and we'll ring you at a time that suits.

Monday to Friday, 9am–7pm · Saturday 10am–2pm

Commercial mortgages and some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Your property may be repossessed or a receiver of rent appointed if you do not keep up repayments on a mortgage or any other debt secured on it.

Chris Smith Mortgages is an appointed representative of Oak Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. FRN 1026569.

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