Commercial Finance & Commercial Mortgages
Whether you are purchasing a commercial property, refinancing an existing asset, or raising finance against a business, Soul Mortgages provides specialist commercial finance advice across a wide range of property types and lending structures.
Commercial lending is more complex than residential mortgage finance, lenders assess the property, the income it generates, the strength of tenants, and the financial profile of the borrower. Having an experienced broker who knows the commercial market is essential to securing the right terms.
What We Finance
- Commercial property purchase: Offices, retail units, industrial units, warehouses, and mixed-use properties
- Semi-commercial properties: Properties with both residential and commercial elements, such as a shop with a flat above
- Healthcare and care homes: Specialist lending for GP surgeries, dental practices, care facilities, and nursing homes
- Hotels and hospitality: Finance for owner-operators and investors in the hospitality sector
- Agricultural land and estates: Lending for farms, rural land, and agricultural businesses
- Business loans: Unsecured and secured lending for working capital, equipment, or growth
How Commercial Mortgages Work
Commercial mortgages typically require a deposit of 25-40%, with loan terms of 3-25 years. Interest rates are usually set on a case-by-case basis, reflecting the property type, tenant quality, lease length, and borrower profile. Affordability is assessed primarily on rental income and business cash flow rather than personal salary.
We work with specialist commercial lenders, challenger banks, and private lenders who can accommodate complex or unusual cases that fall outside mainstream criteria.
Commercial mortgages are not regulated by the FCA in most circumstances.
Discuss your commercial finance requirements →
Your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.