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Commercial Premises Mortgage

commercial mortgages and finance

Finance to make ambitious commercial moves

We understand that as a business you have goals and aspirations to reach for, and often it takes a helping hand to get there. As your business grows you may need invest in new premises, gain access to capital fast or invest in opportunities for future profitability.

For some, access to the money needed to make these moves is not always available in their own reserves and going through the route of satisfying banks’ criteria can be overwhelming and extremely time-consuming, which can lead to everything falling through. What you really need is a partner who truly gets it, and can help you pivot quickly and without hurdles.


How do commercial mortgages help?

Unlock the cash you need by using your business property as a means of security. Whether its an investment property or an owner-occupied premises, this can be used to help you get the finance you need in place, Although similar in a sense of how a traditional mortgage works, a commercial mortgage is slightly different, in that:

  • It can only be used for purchasing property to be used for your own business
  • Can be used to consolidate existing debts into one new payment
  • Allows you to finance the purchase of an investment property
  • Helps you to refinance existing terms to a better rate or to release equity from your property
what is a commercial mortgage

How the process works

First consultation:

We discuss and assess your business aspirations and property ownership goals to understand what’s really needed.

Indicative terms offered:

You’ll receive clear terms tailored to your circumstances, often within 48 hours.

Due diligence begins:

We handle all the valuations, legal reviews, and lender negotiations to keep the case moving and to free up your time to focus on business.

Acceptance and completion:

Once approved by the lender and agreed, the funds are released and your commercial mortgage is granted.

All proposals and end-result agreements are structured to fit your needs, whether it’s for remortgaging or buying new, or simply to take care of your debts.

We align your funding with the asset, the income, and the growth strategy and focus on getting things done fast.

Allowed UK mainland securities:

Warehouse buildings

Land (developed or undeveloped)

B&Bs or guest houses

Restaurants

Office spaces

Pubs

Shops or retail stores

Industrial units

Care homes

Who can apply?

Individual applicants

Sole Traders or Partnerships

Limited Liability Partnerships

Full time employed

Limited Companies

Self-employed applicants

Expats and non-UK residents

Pension fund holders

Registered charities and trusts

commercial mortgage finance key features

Key features

  • Lend any amount from £250,000 upwards
  • Competitive rates with flexible terms
  • Owner-occupied or investment property backed
  • Fixed or variable interest repayment option
  • Interest-only or capital repayment plans
  • Funding for both freehold and leasehold assets

Why work with Envelop Finance?

We’re not just another commercial finance broker. We have collated a strong network of specialist commercial finance providers, high-street lenders, and niche private banks which give us unrivalled access to the best of what the UK commercial finance market has to offer.
  • Direct access to lenders and decision-makers to speed up the process
  • Advice from experienced commercial finance consultants
  • Fast turnaround and proactive communication
  • Solutions for both straightforward and complex borrowing needs
As a leading commercial finance company, we deliver financial support that matches real-world business needs, we are not just another tick-box broker.
specialist commercial finance broker

Explore commercial mortgages in more detail

Helping you to make moves

If you’re in need of a commercial mortgage in the UK and find yourself inundated and confused having to explore your options, our team is ready to help. We provide honest guidance, smart structuring, and quick action.

Get in touch and unlock the potential of commercial property finance.

Who we help

Business owners purchasing premises for trade use

Investors growing commercial property portfolios

Developers working on commercial property projects

Landlords refinancing to raise capital or upgrade their homes

Whether you're in the early planning stages or need urgent funding, we make it happen.

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