Specialist

Business Mortgages

Business Mortgage Solutions for Business Owners

How much do you want to borrow?

Step One
Step Two
Step Two

 

Business Mortgages

Clifton private finance

We specialise in refinancing properties and sourcing business mortgages for property transactions in the UK

As a specialist mortgage broker, we provide high quality business finance solutions for our clients.
  • Market leading rates
  • Up to 80% Loan To Value (100% with additional security)
  • From £50,000 to £25 Million
  • Terms  from 3 months
  • Interest roll up options
  • Same day agreement in principle
  • We can accept applications from individuals, limited companies, SPV's and offshore structures
  • Finance for residential, commercial including retail outlets, restaurants, cafes, guest houses, hotels and pubs, offices, warehouses, industrial units, factories, HMOs, nursing and care homes, investment properties, development land and buy to let property (portfolios and limited companies welcome)
We pride ourselves on providing excellent service that is responsive to your needs.
Call us on 0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

£850K Commercial Bridging Loan for Care Home Purchase and Renovation
£850K Commercial Bridging Loan for Care Home Purchase and Renovation
Area
Dronfield
Capital Raised
£850K
Date
February 2026
£4M Mixed Residential and Commercial Portfolio Refinance for Midlands Property Investment Group
£4M Mixed Residential and Commercial Portfolio Refinance for Midlands Property Investment Group
Area
Midlands
Capital Raised
£4M
Date
January 2026
£334K Debt Consolidation to Reset Collectibles Business Growth in Glasgow
£334K Debt Consolidation to Reset Collectibles Business Growth in Glasgow
Area
Glasgow
Capital Raised
£334K
Date
January 2026

More Opportunities »

Business Mortgage Service

What is a Business Mortgage

A business mortgage is a loan secured on a non-residential property. Typically, a commercial mortgage is used to purchase, refinance, refurbish or develop a property used for business purposes.

Business mortgage terms offered by lenders range from 3 to 30 years. 

Types of Business Mortgage

Business mortgage lenders’ rates vary from lender to lender and often depend on the type of business mortgage.

Owner-occupier commercial mortgages

These are often used by business owners to remortgage or purchase commercial, owner-occupied premises, such as office space. Business mortgage lenders generally provide up to 75% loan-to-value for an owner-occupier mortgage.  

For example:  A business, who owned a factory in North London, signed a new lease for 10 years. Unfortunately, their bank decided to exit the market and the business had to repay the bank as soon as possible. The business secured an owner-occupier mortgage with another lender to repay their existing finance. 

See your Business Mortgage Options

Commercial investment mortgages

These are often used by those looking to invest in commercial property, such as a House in Multiple Occupation (HMO). Lenders usually provide up to 65% Loan to Value for a commercial investment mortgage.

For example, a landlord needed to refinance their buy-to-let property to stabilise their finances. They approached a lender and secured a 10-year interest-only commercial investment mortgage, which ensured they could refinance their buy-to-let property. 

When can a Business Mortgage be used

Commercial mortgages may be used for a:

Requirements for a Business Mortgage

Typically, borrowers will have to meet certain criteria before securing a mortgage.

Credit history/Business accounts/ Profit and loss accounts

To access business finance, borrowers will have to provide certain documentation such as their credit history, business accounts or profit and loss accounts to the lender. This enables to lender to make an informed decision and assess the likelihood that the mortgage will be repaid.

Security

Commercial lenders will use a non-residential property as security for the commercial mortgage. This is to ensure that the lender has a course of action in the event that the borrower cannot afford the commercial mortgage repayments.

Deposit

Unlike residential mortgages, which generally require a deposit of 10%, to secure commercial finance the borrower will typically need a deposit of up to 30%.

How to Get a Business Mortgage

If you need a business mortgage, unless you have an in-depth knowledge of the financial services industry, it is advisable to contact a professional broker.

As a specialist property finance broker, Clifton Private Finance can provide a clear picture of the mortgages available to you. We will assess your specific set of circumstances and arrange a mortgage solution tailored to your needs.

See your Business Mortgage Options

If you need a business mortgage, call us on 0203 900 4322 or complete our contact form above.
What Our

Clients Say

Latest

Property Finance Deals & Insight

A cluttered room in the middle of a DIY home improvement project, with paint supplies and dust sheets, representing renovations that may not add value.
Turning your home from the place you first bought into something that really reflects your use and taste is an exciting part of ho...
12-02-2026
A red forklift loading a shipping container onto the back of a white lorry, with stacks of other containers in the background under a blue sky.
As the industry positioned as the core of global supply chains, transport and logistics (T&L) companies are under intense pres...
11-02-2026
How to get a renovation mortgage
Whether you're a first-time buyer, a property developer, or you’ve inherited a property in desperate need of some love, a re...
11-02-2026
Bridging Loan Interest Rates
Bridging loan interest rates are currently available from 0.53% per month, but can reach as high as 0.78% per month and ...
11-02-2026
View More »
Get in Touch

If you have any questions about our services or want to start making things happen please contact us