Property finance

Commercial mortgage

Secured on offices, warehouses, shops, care homes and other commercial property. From £25,000 to many millions, terms up to 25 years, up to 80% LTV. Capital and interest or interest-only; fixed up to 10 years or variable.

Apply for Commercial mortgageLearn moreOn qedfinance.com
Range
From £25,000
Term
Up to 25 years
Family
property
Search
Full market, one file

At a glance

  • From £25,000
  • Up to 25 years
  • Up to 80% LTV
  • Repayment holiday available

How it works

  1. 1A loan secured by a first legal charge on commercial premises — offices, warehouses, shops, care homes and similar.
  2. 2From £25,000 to many millions. Terms up to 25 years. Up to 80% LTV on the lower of price or valuation.
  3. 3Capital-and-interest or interest-only. Fixed up to 10 years or variable linked to base rate.
  4. 4Some funders allow a capital repayment holiday for a pre-agreed period.

Who it’s for

  • Buying, refinancing or releasing equity from business premises
  • Refurbishing or extending existing commercial property
  • Raising investment finance against property you already own

Good to know

You will need a professional valuation, legal work and usually 2–3 years of accounts (or a strong alternative for newer businesses).

Funds can also be used to buy other assets (vehicles, machinery) once the charge is in place.

One application with QED searches the full market. That saves you running the same file around several lenders, and it avoids multiple credit searches on the business and directors. A hard search is only placed when you proceed with a chosen lender.

Documents QED will ask for

Same list as the attach-files section on the website application. Tick what you have when you apply; email the rest.

  • Last published accounts (full accounts, not abbreviated)
  • Latest management accounts if year-end is stale
  • Last 3–6 months’ bank statements
  • Property address, tenure and (if held) a valuation
  • Purchase contract or memorandum of sale (purchase)
  • Existing mortgage statement (remortgage / refinance)
  • Rental schedule or projections (buy-to-let)
  • Planning decision notice and development appraisal (development)
  • Clear exit route note (bridging)

FAQ

Drawn from qedfinance.com and the way the UK market actually underwrites these facilities.

How much can I borrow?

From £25,000 up to many millions, typically up to 80% LTV. The exact figure depends on income, the property and the lender.

How do I apply?

The application in this app mirrors the property section on qedfinance.com/application — property type, address, purchase or remortgage, values and term. Start there, or request a quote and a broker will call.

How quickly can I access funds if approved?

Once the offer is out, valuation and legal due diligence set the clock. It is slower than bridging, faster than a development facility with staged drawdowns.

What is a commercial mortgage?

A loan secured against property used for commercial purposes — offices, industrial warehouses, shops, care and nursing homes. Unlike a residential mortgage, it is tailored to the business or investor.

What is the maximum term?

Up to 25 years. The term you are offered depends on the lender’s assessment and the nature of the property.

Can I choose repayment options?

Yes. Capital and interest, or with some lenders interest-only. Fixed for up to 10 years, or variable linked to base rate. Some funders allow a capital repayment holiday for a pre-agreed period.

What interest rates apply?

Fixed (up to 10 years) or variable, typically linked to base rate. The rate depends on LTV, creditworthiness and loan amount.

Is a capital repayment holiday possible?

Some lenders offer one for a pre-agreed period, which can help cash flow during a fit-out or a slow first season.

What can I use it for?

Buying premises, developing or refurbishing existing commercial property, raising investment finance, or (once the charge is in place) buying other assets such as vehicles and machinery.

How fast can funds land?

Bridging can complete in days once security is in place. Commercial mortgages and development facilities take longer because of valuation, legal work and (for development) drawdown monitoring.

Do I need a track record?

Some lenders insist on experience; others will fund a first scheme if the team (agent, architect, builder) is strong and planning is in place.

Prefer a number first?

Model an illustrative structure, email yourself a copy, then apply if it looks right.

Open the calculator

QED is a broker, not a lender. A low credit score can limit options with some houses; a search with us does not place a hard search on the business or directors until you proceed with a chosen lender.