Bespoke Finance

A hub page for commercial mortgage guides, covering how commercial mortgages work, deposits, rates, bridging finance, semi-commercial property, bad credit, and sector-specific finance topics.

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 Guide to Buying Property in Cambridge: What Local Lenders Assess

Learn how commercial mortgages work in Cambridge, what lenders assess, typical deposit and term structures, and the key differences between owner-occupied and investment lending.

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.

Commercial Mortgage Guide to Care Home Finance: Funding Acquisition, Refinance and Improvement

A practical guide to how care home mortgages work, what lenders typically look for, and the main funding routes available for buying, refinancing, or improving a care facility.

Commercial Mortgage Guide for Bad Credit: How to Strengthen an Adverse-Credit Application

A practical guide to improving your chances of securing a commercial mortgage when you have adverse credit. Covers how lenders assess risk, common credit issues, and how to strengthen your application.

Commercial Mortgage Guide to Buying a Pub: Finance Structures and What Lenders Want

A practical guide to financing the purchase of a pub with a commercial mortgage, including the main mortgage structures, what lenders look for, deposit expectations, and alternative funding options.

Commercial Mortgage Guide to Buying a Hotel: Deposit, Valuation and Lender Criteria

A practical guide to securing commercial finance for buying a hotel in the UK, including deposit expectations, how lenders assess hotel businesses, what to prepare for an application, and alternative funding routes.

Commercial Mortgage Deposit Guide: How Much You Need and What Drives the LTV

Understand typical commercial mortgage deposit levels, what influences the amount lenders expect, and the options available when cash deposit is limited.

Commercial Mortgage Guide to Flats Above Shops and Homes Near Commercial Premises

Learn how mortgages work for flats above shops and homes next to or near commercial premises, what lenders typically focus on, and how deposit, valuation, affordability and repayments may be affected.

Commercial mortgage guides

If you're researching commercial property finance, this section brings together our in-depth guides on how commercial mortgages work, how lenders assess deals, and which finance routes may suit different property types and business plans.

Whether you're buying business premises, refinancing an investment property, comparing bridging against term lending, or exploring a specialist sector such as hotels, pubs, farms, or care homes, these guides are designed to help you understand the options.


Start with the essentials

Commercial Mortgage Guide

Our complete guide to commercial mortgages in the UK—what they are, how they differ from residential lending, deposits and LTV, rates, fees, lender criteria, eligibility, the application process, and FAQs. Start here if you're new to commercial property finance.

Understanding Commercial Mortgage Rates: A Guide

Learn what affects commercial mortgage pricing, including property risk, borrower strength, and loan structure.

How much deposit do I need for a commercial mortgage?

Understand typical deposit expectations and what can influence LTV.


Compare finance options

Commercial Bridging Finance

When short-term bridging may be more suitable than a commercial mortgage.

Commercial vs Buy-to-Let Mortgages: Key Differences and How to Choose

A practical comparison for investors weighing up different finance routes.

Commercial mortgages vs residential mortgages

Understand the main structural and underwriting differences.

Semi-commercial mortgages (mixed-use property finance)

How finance works for mixed-use properties such as flats above shops and part-commercial buildings.


Common borrower questions

How to get a commercial mortgage with bad credit

How adverse credit can affect your options and what may strengthen an application.

How to get fast bridging loans for commercial property

What affects speed in short-term finance transactions.


Sector and property-specific guides

Flat Above Shop Mortgages: how lenders assess mixed-use properties

A guide to lender treatment of flats above commercial premises.

Buying a Home Near Commercial Premises: What You Need to Know

How nearby commercial use can affect residential mortgage options.

How to buy a pub with a mortgage

Finance considerations for pub purchases.

How to get a mortgage for a hotel purchase

A guide to hotel finance, including what lenders review.

How to get a bed and breakfast (B&B) mortgage

Understand the different lending routes for B&B properties.

Care home mortgages explained

How care home finance works and what lenders often focus on.

Farm mortgage

A guide to commercial farm mortgages and agricultural lending.

Buy to sell mortgages (commercial guide)

A guide to funding short-to-medium-term property projects with a sale-led exit.


Adviser and specialist content

Advanced guide to bridging finance for financial advisors (commercial)

A more technical guide aimed at advisers and experienced property professionals.


Related commercial pages


Need help narrowing it down?

A good place to start is:

If you want to understand... Start here
The basics of commercial mortgages Commercial Mortgage Guide
The full application process Commercial Mortgage Guide
What lenders assess (eligibility) Commercial Mortgage Guide
Deposits and LTV How much deposit do I need for a commercial mortgage?
Rates and pricing Understanding Commercial Mortgage Rates
Bridging vs longer-term lending Commercial Bridging Finance
Mixed-use or semi-commercial property Semi-commercial mortgages
Bad credit and specialist cases How to get a commercial mortgage with bad credit

Commercial mortgages are not regulated by the Financial Conduct Authority in the same way as most residential mortgages, although some mixed-use and residential elements can change how a case is treated. Eligibility, rates and terms vary by lender and property type.

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.

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

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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