Bespoke Finance
Mortgages for Commercial Properties

Specialist commercial mortgage advice across the whole market, from owner-occupied premises and investment property to sector-specific lending. Talk to our mortgage advisers about structuring your transaction.

Mortgages for Commercial Properties

Commercial property finance isn't like a residential mortgage. Every deal is assessed on the asset, the income it generates, the borrower's track record, and the exit strategy, which means the right funding structure matters as much as the headline rate.

Our mortgage advisers work across the whole commercial lending market, from owner-occupied premises and investment portfolios to specialist sectors like hotels, care homes, and mixed-use property. We'll help you structure the proposal, match it to the right lenders, and manage the process through to completion, however complex the transaction.

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Explore our commercial mortgage resources

Whether you're researching how commercial lending works, comparing finance routes, or reviewing real-world outcomes, start here. Our guides, case studies, and FAQ cover the full picture, from deposits and rates to sector-specific property finance.


How our commercial mortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.


Commercial Mortgage Guides

Commercial Mortgage Guide to Buy-to-Sell: Funding Refurbishment and Fast Resale

An educational guide to buy to sell mortgages: what they are, how they work, typical terms and deposits, transaction costs, and practical considerations for investors and property refurbishments.

Commercial Mortgage Guide to Farm Finance: Funding Agricultural Property in the UK

A practical guide to commercial farm mortgages and agricultural lending in the UK—what they are, what lenders look for, typical deposits and loan-to-value (LTV), and how credit history and property type can affect outcomes.

Commercial Mortgage or Residential? A Guide to Picking the Right Property Finance

A clear comparison of commercial and residential mortgages in the UK, covering how they work, typical terms, deposits, loan-to-value (LTV), costs and regulation.

Commercial Mortgage Guide to Bridging Finance: Fast Funding, Approval Speed, Costs and Exit Strategies

An educational guide to commercial bridging finance: what it is, common use cases, how it works, how quickly funding can be arranged, what drives approval speed, non-status options, typical costs and risks, and how it compares with longer-term commercial mortgages.

Commercial Mortgage or Buy-to-Let? A Guide to Choosing the Right Investment Finance

A practical comparison of commercial mortgages and buy-to-let mortgages, covering how lenders assess applications, typical deposit and affordability approaches, and the main risks and considerations for property investors.

Commercial Mortgage Guide: How UK Business Property Finance Works from Deposit to Completion

The complete UK commercial mortgage guide: what they are, how they differ from residential lending, deposits/LTV, borrowing, rates, fees, lender criteria, eligibility factors, the application process, why applications stall, risks, alternatives, regulation, and FAQs.

Commercial Mortgage Guide to Semi-Commercial Property: Financing Mixed-Use Buildings

An educational guide to semi-commercial mortgages for mixed-use properties, including how lenders may classify them, how valuation and underwriting typically work, and the main factors that influence lending.

Commercial Mortgage Rates Guide: What Drives Pricing and How to Compare Lenders

Learn what drives commercial mortgage rates in the UK, how rate structures work, and what lenders typically consider when pricing borrowing for commercial property.

Commercial Mortgage Guide to Bed and Breakfast Finance: Funding a B&B Acquisition

A practical guide to securing finance for a bed and breakfast, including whether you may need a residential, semi-commercial or commercial mortgage, what lenders typically look for, deposit expectations, and common alternatives.


Ready to talk through your commercial transaction?

Tell us about your property, your objectives, and where you are in the process. One of our mortgage advisers will come back to you with clear, no-pressure guidance on your funding options and next steps.

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Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

Looking for a career in Mortgage Advice? View job openings.

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX