Commercial Mortgages

Long term finance for business and investment property.
Last updated: October 2025

 

 

What Are Commercial Mortgages?

Commercial mortgages are long term loans used to purchase or refinance property that is already complete and mortgageable. They are ideal for investment and trading properties that generate income, including offices, shops, warehouses, and mixed use buildings.

At GPS Financial, we arrange tailored commercial mortgage solutions for landlords and investors, finding the right structure and rate to suit your goals.

If You Are Not Quite Ready for a Mortgage

If you are not quite ready for a commercial mortgage, perhaps the property needs refurbishment, tenants are not yet in place, or it is not mortgageable in its current condition, we can still help.

In these situations, a Commercial Bridging Loan can provide the short term funding you need to get the property ready for a full mortgage. Once the work is complete or the income is proven, we will then arrange the long term finance to replace the bridge smoothly.

Types of Property We Can Finance

• Offices and industrial units
• Retail or mixed use buildings
• Warehouses and storage facilities
• Guest houses and care homes
• Semi commercial portfolios

We take time to understand your plans and match you with lenders who best fit your needs, whether you are buying, refinancing, or releasing capital.

How a Commercial Mortgage Works

Commercial mortgages are assessed on both the property’s value and the income it produces. For investment cases, this usually means rental income or projected yield.

Loan terms typically range from three to twenty five years, with both repayment and interest only options available.

Real Example: Commercial Investment Refinance

A client came to us with a mixed use property, a ground floor shop with two flats above, that had been bought with bridging finance. Once the refurbishment was complete and tenants were in place, we arranged a long term commercial investment mortgage to replace the bridge.

The refinance released capital at a competitive rate, allowing the client to repay the bridge in full and free up funds for their next project.

Why Choose GPS Financial

• Over a decade of commercial lending expertise
• Access to leading UK specialist lenders
• Ethical, transparent advice with no hidden costs
• Same day decisions in principle available
• Dedicated support from first enquiry to completion

Every commercial investment is different. We shape the finance around your goals, ensuring a smooth and stress free process from start to finish.

Learn More

For general guidance on business property finance, visit the British Business Bank.

Speak to Our Experts

Call 029 2267 7707 or visit our Contact page to discuss your commercial mortgage options.

 

Checked by: Morgan Stewart, Director