Commercial Mortgages for Business and Investment Property
Commercial mortgages are finance that people may explore in connection with buying, refinancing or using commercial or mixed-use property. Terms and availability depend on the individual requirement and provider criteria. Funding Freddie supports structured property-finance assessments for requirements of £100,000 or more.
Funding Freddie is not a lender. It supports structured property-finance assessments for requirements of £100,000 or more, before considering whether a specialist introduction is appropriate.
What Is a Commercial Mortgage?
Commercial mortgages are finance that people may explore in relation to commercial or mixed-use property. Examples of property use may include owner-occupied business premises, investment property, mixed-use property or commercial-property refinancing.
The property, its purpose, the ownership or borrowing structure, income or rental information where relevant and the intended funding structure may all be relevant to what a specialist considers. Different finance routes may be considered depending on the requirement and a specialist assessment.
This page provides general information only, not individual advice or a product recommendation. A specialist will assess whether any finance route may be available, based on the individual requirement and the provider's own criteria. Funding Freddie is not a lender and does not assess suitability or make lending decisions.
Common Situations People May Explore
People may explore commercial mortgages when they have a requirement connected to commercial or mixed-use property. These are general examples only.
Buying premises to occupy
People may explore commercial mortgages when buying premises for a business to occupy.
Refinancing an existing arrangement
People may explore commercial mortgages when refinancing an existing commercial-property arrangement.
Acquiring investment property
People may explore commercial mortgages when acquiring commercial property as an investment.
Considering mixed-use property
People may explore commercial mortgages when considering mixed-use or semi-commercial property.
Supporting business expansion
People may explore commercial mortgages when business expansion involves commercial premises.
Restructuring property arrangements
People may explore commercial mortgages when restructuring property ownership or funding arrangements.
These are general examples only. Whether any finance route may be available depends on your individual circumstances, the stated requirement and current specialist-provider appetite.
What May Be Helpful to Prepare
The following information may be helpful to prepare before starting a Property Funding Assessment.
Property type, location and use
The property type, location and its intended use.
Purpose of the funding
Whether the requirement is an acquisition, refinancing or an investment purchase.
Approximate value or price
An approximate property value or purchase price, where relevant.
Approximate funding requirement
An approximate figure for the amount you are seeking. Funding Freddie supports requirements of £100,000 or more.
Ownership or borrowing structure
How the property would be owned or the borrowing structured.
Trading, rental or lease information
Business trading information, rental income or lease information, where relevant.
Existing finance arrangements
Any existing property finance arrangements, where relevant.
Intended timescale
The timescale within which the funding would be required.
Decision-maker
The relevant business or property decision-maker available to discuss the requirement.
This is general preparation guidance only, not eligibility criteria or underwriting instructions. You will not be asked to submit sensitive data on this page.
How Funding Freddie Works
A structured assessment process helps you explore your property-finance requirement before any introduction.
Complete a Funding Assessment
Assessment review
Informed introduction
Specialist assessment
Completing an assessment does not guarantee funding, approval, an offer, an introduction, a product, a rate, a term, a timescale, an application, completion, commission or any outcome. Funding decisions remain with the selected provider and are subject to provider assessment and criteria.
Important Points to Understand
Please read these points before starting a Property Funding Assessment.
Funding Freddie is not a lender
Funding Freddie does not make lending decisions or provide finance directly.
Funding is subject to provider criteria
Any funding remains subject to the selected provider's criteria, underwriting and terms.
Property and circumstances matter
The property, proposed use, business circumstances, income information where relevant and the information available may affect what a specialist considers.
No guaranteed outcome
Completing an assessment does not guarantee funding, approval, an offer, an introduction, a product, a rate, a term, a timescale, an application, completion, commission or any outcome.
No individual financial advice
This page does not provide individual financial advice or product recommendations.
Related Pages
Commercial Mortgages FAQs
Clear answers to common questions about commercial mortgages and the Funding Freddie assessment process.
Ready to Explore Commercial Mortgages?
Complete a Property Funding Assessment and take the next step toward exploring your commercial-mortgage requirement.
No obligation to proceed. Completing an assessment does not guarantee funding, approval, an offer, an introduction, a product, a rate, a term, a timescale, an application, completion, commission or any outcome.