Commercial Mortgages – Competitive Property Finance Across the UK
Expert commercial mortgage brokers helping UK businesses and investors secure fast, flexible, and competitive property finance. Fairbridge Finance works across an extensive whole-of-market lending panel.
UK Commercial Mortgage Brokers for Owner-Occupier and Investment Properties
At Fairbridge Finance, we are independent, FCA-regulated commercial mortgage brokers working with businesses and investors across the UK. Whether you are purchasing owner-occupied premises, acquiring a commercial investment property, or refinancing an existing facility, we are not tied to any single lender giving you access to a broad whole-of-market panel including:
- High street banks
- Challenger banks
- Specialist commercial mortgage providers
We fully manage the process from start to finish, packaging your application, liaising with lenders, coordinating valuations and legal support, and keeping you informed at every stage.
Speak to Fairbridge Finance today for a guidance about your commercial mortgage requirements.
A commercial mortgage is a loan secured against a commercial property such as an office, retail unit, warehouse, or mixed-use building used for business or investment purposes rather than residential use. For many UK businesses and property investors, it represents one of the most significant financial decisions they will make.
Types of Commercial Mortgage We Arrange
Owner-Occupier Commercial Mortgages
Owner-occupier mortgages are for businesses seeking to purchase property for their own use, providing stability and potential financial benefits as business owners gain control over their operational spaces.
This type of finance is available across offices, retail units, warehouses, industrial sites, and mixed-use buildings throughout England, Scotland, and Wales.
Owner-occupier commercial mortgages may be suitable if you are:
- Purchasing premises your business currently occupies as a tenant
- Buying new premises to expand or relocate your business operations
- Looking to stop paying rent and build equity in a property your business owns
- A professional or sole trader purchasing a building for your practice or trade
Commercial Investment Mortgages
Commercial investment mortgages are a powerful tool for acquiring or refinancing properties intended for leasing or investment purposes, enabling you to capitalise on rental income and property appreciation.
Investment properties can include retail units, offices, industrial estates, and mixed-use developments across the UK.
Commercial investment mortgages may be suitable if you are:
- Acquiring a commercial property to let to one or more tenants
- Refinancing an existing investment property to release equity or reduce costs
- Building or expanding a UK commercial property portfolio
- Looking to benefit from rental income and capital appreciation in the commercial property market
We can also help with: medium-term loans, SIPP / SSAS lending and more.
Get In Touch
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By submitting this form, you agree to be contacted by FairBridge Finance regarding your enquiry. Any information you provide will be used solely to assess your commercial finance requirements and recommend suitable funding options. We respect your privacy and will never share your details with third parties without your consent.
Why Choose Fairbridge Finance?
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Whole-of-Market Access
Independent brokers with access to high street banks, challenger banks, specialist lenders, and alternative finance providers across the UK.
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Fully Managed Service
From enquiry to completion, we handle everything — no chasing paperwork, no managing multiple lender relationships. -
Speed and Efficiency
Our experienced team moves quickly, packages applications thoroughly, and avoids unnecessary delays. -
FCA Regulated and Transparent
We communicate clearly at every stage. You will always know what is happening, why, and what it costs. -
Third-Party Coordination
Valuations, insurance, and legal support organised and managed on your behalf. -
No Obligation
Free initial consultation, no pressure, and honest advice tailored to your business.
Frequently Asked Questions About Fairbridge Finance
- What is a commercial mortgage?
A commercial mortgage is a loan secured against a UK commercial property such as an office, retail unit, warehouse, or mixed-use building used for business or investment purposes. It functions similarly to a residential mortgage but is assessed on commercial criteria including rental yield, loan-to-value (LTV), and business financial strength.
- How long does a commercial mortgage take to arrange?
Commercial mortgages in the UK typically take between four and twelve weeks from application to completion. Where speed is essential, we work as efficiently as possible and provide a clear timeline from the outset.
- What is a SIPP or SSAS mortgage?
A SIPP (Self-Invested Personal Pension) or SSAS (Small Self-Administered Scheme) mortgage allows a pension fund to borrow money to purchase commercial property, including premises used by the business owner’s own company. This is a specialist area requiring expert guidance. Fairbridge Finance has experience arranging these transactions across the UK.
- Can I get a commercial mortgage with a poor credit history?
Yes, in many cases. We work with specialist UK lenders who consider applications with adverse or complex credit histories. Every case is assessed individually, and we are always transparent about what is achievable.
- What is the difference between an owner-occupier and investment commercial mortgage?
An owner-occupier mortgage is for businesses purchasing property for their own use. An investment mortgage is for properties acquired to generate rental income from tenants. UK lenders assess these applications differently; investment mortgages focus heavily on net rental yield and capital growth potential.
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