Get a Commercial Mortgage Quote Within Minutes...

It only takes a moment and will not affect your credit score!
  First Charge    
  Second Charge    
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How much do you want to borrow? £50,000
£26,000
£150,000
Over how many years? 10 Years
3 Years
25 Years

Your Commercial Mortgage Specialist...

If you are looking to secure a commercial or semi-commercial property, our mortgages are the ideal option…

Whether you are looking to take out a commercial mortgage to invest in a property or to rent to a third party, or occupy it yourself, our experienced team of specialists are here to help you. We will work with you from application, through to completion and beyond.

Our commercial loans are available from £26,000 to £150,000 over terms of 3-25 years and can also be used to fund any large capital expenditure, research and development or simply to cover operating costs.

As a direct lender we don’t charge you any commercial mortgage broker fees which you may incur if you were to use a brokerage service.

Our levels of service and support are second to none, and will ensure that the commercial mortgage deal we provide you with is the best option for your specific needs.

What is a Commercial Mortgage?

A commercial mortgage is a way to purchase a commercial property, or to secure funds using a commercial property as security.

Commercial mortgages and commercial loans allow companies or individuals to invest in business property, either with the intention of occupying it, or renting it to a third party.

Companies can also raise money using a commercial property to fund other business activities such as research and development or just covering any other business cost.

Commercial Mortgage Rates and Fees

We allow you to borrow between £26,000 and £150,000 over a term of 3 to 25 years. Your commercial mortgage deposit can be as little as 40%, with Mercantile Trust able to offer you a commercial mortgage of up to 60% LTV.

To get a more accurate calculation of the cost of a commercial mortgage, get in touch with our friendly advisors who will be able to determine the best deal for your needs.

Mortgages are also available for semi-commercial property, however we cannot provide finance for the following property:

  • Takeaways
  • Fast food outlets
  • Launderettes
  • Bookmakers
  • Pubs
  • Nightclubs
  • Heavy industrial Units
  • Casinos
  • Mobile Homes
  • Contaminated Properties
  • Farmland / agricultural property
  • Bed and Breakfast
  • Golf Course

Commercial Mortgages Criteria

We will do our very best to help everyone secure the business finance they require, however there are certain criteria that need to be met in order to make a successful application:

Loan Criteria:

  • 1st and 2nd Charge loans up to £150,000
  • Up to 60% LTV
  • Portfolio Landlords Welcome
  • Minimum rental cover 140%
  • LTD Companies welcome
  • Capital repayment and Interest only available
  • 90 day valuation used

Applicant Criteria:

  • Minimum Age 18 years old
  • Maximum Age 80 years old
  • Individual and Corporate Ownership Welcome
  • Personal credit search for all Directors required
  • Maximum number of Applicants – 4
  • Up to 5 loans per applicant
  • 3 Years residency history
  • 12 month mortgage or rental history needed
  • E-ID or proof of ID where E-ID fails