Commercial Mortgages
Commercial Mortgages
Commercial mortgages are designed for businesses, investors and landlords purchasing or refinancing commercial property. Whether you’re acquiring a business premises, expanding a portfolio or refinancing an existing unit, NexGen Finance provides clear guidance and access to a wide range of commercial lenders. We support clients across various sectors, helping them navigate valuations, affordability checks, business accounts and lender requirements to secure the right funding for their goals.What Can a Commercial Mortgage Be Used For?
- ✔ Purchasing business premises
- ✔ Refinancing existing commercial loans
- ✔ Acquiring investment properties
- ✔ Expanding or relocating a business
- ✔ Buying mixed-use residential/commercial units
- ✔ Funding portfolio growth
Types of Commercial Mortgages
- Owner-Occupied Commercial Mortgages – for businesses buying their own trading premises
- Commercial Investment Mortgages – for properties let to tenants
- Mixed-Use Mortgages – covering buildings with both residential and commercial units
- Semi-Commercial Mortgages – e.g. shop with flats above
- Commercial Remortgages – securing better terms or releasing capital
How We Help
- 📊 Assessing business accounts, income and affordability
- 🏢 Support across retail, industrial, office, hospitality and specialist sectors
- 🏦 Access to high street, challenger and specialist commercial lenders
- 🧾 Assistance with valuations, lease agreements and financial documents
- 🚀 Clear guidance through underwriting and completion
The Commercial Mortgage Process
1. Initial Discussion
We discuss your business needs, property details and long-term plans to identify the right type of commercial finance.2. Documentation & Assessment
Commercial lenders typically review business accounts, projections, leases and property details — we help gather everything required.3. Application Submission
Once you choose a lender, we assist with the full application, supporting documents and financial information.4. Valuation & Underwriting
Lenders assess both the value of the property and the strength of the business. We manage communication and keep everything progressing.5. Mortgage Offer & Completion
Once approved, solicitors complete the legal work and funds are released to finalise the purchase or refinance.Common Commercial Finance Challenges
- ✔ Complex business income structures
- ✔ Mixed-use or unusual property types
- ✔ Short trading history or limited accounts
- ✔ Commercial tenants with non-standard leases
- ✔ Large capital raises or refinancing existing debt
Get Started
If you’re purchasing or refinancing commercial property, NexGen Finance can help you secure the right commercial mortgage and guide you through the full process. Contact us today to begin your commercial finance enquiry.🧮 Mortgage Calculator for Buyers and Homeowners
Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.
Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.
Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.
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