Commercial Mortgages

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.

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First Time Buyer Mortgages

First-Time Buyer Mortgages

Helping You Take Your First Step onto the Property Ladder

Buying your first home is an exciting milestone — but understanding deposits, affordability, credit checks, and the full mortgage process can feel overwhelming. At NexGen Finance, we make the journey clear, structured, and stress-free, supporting first-time buyers right from the initial enquiry through to getting the keys.

We help you understand how much you can borrow, compare suitable mortgage options, prepare your documents, and move through the process with confidence.

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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

Local Notes

Woking’s commuter economy supports diverse uses; lenders scrutinise lease terms on investment stock and cost efficiency on owner-occupied acquisitions. Clear evidence of demand and achievable rents strengthens valuation cases.

Commercial Mortgage FAQs

1. Can I refinance to release capital?

Often yes, subject to DSCR, valuation and use of funds.

2. Are fixed and variable rates available?

Yes — terms vary by lender, sector and risk profile.

3. Will personal guarantees be required?

Common for SME borrowing; extent depends on leverage and covenant strength.

4. Can a start-up obtain finance?

Possible with strong plans, assets and/or additional security — pricing may be higher.

Our Customers Love Us

Juan-Ricardo

As someone self-employed with slightly ‘sticky’ credit, most banks turned me away. This team was a godsend; they persevered and got my mortgage sorted, even saving me some of my deposit money.

Pulizia London

Thank you for your assistance, advice, and perseverance in getting my mortgage sorted. You guys made it happen when others wouldn’t. See you in two years for the remortgage!

Sean King

Securing a buy-to-let mortgage was a breeze with their help. They walked me through the process, found me a great rate, and ensured everything went smoothly. Outstanding expertise.

Jenson West

The Nexgen team took the time to explain everything, found the right lender for my budget, and guided me through the paperwork. A very stress-free experience for a first-time buyer.

Cath Jones

Excellent experience financing a buy-to-let auction property. The NexGen Finance team was excellent to deal with and guided us through the process with no stress whatsoever.

Joanna Morley

Over the moon! Thank you for the excellent service, advice, and support. You are very approachable and it was a pleasure having NexGen Finance as my broker.

Sammy Alim

Experts in what they do. Explained all options to purchase an uninhabitable property and get development funding. Jahed explained the bridging loan and exit strategy perfectly.

Muhammad Ashiq

I am extremely pleased with the mortgage service provided. The level of professionalism was top class and the entire process was handled perfectly. Highly recommend.

Common Challenges for Commercial Mortgage

Complex business income structures

1 Mixed-use or unusual property types

2 Short trading history or limited accounts

3 Commercial tenants with non-standard leases

4 Large capital raises or refinancing existing debt

5

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.

We Search 1000s of Commercial Mortgage Mortgages in Uk

10 Step Guide for Commercial Mortgage in Uk

1. Master Your Budget

Before looking at houses, look at your bank account. You’ll typically need a 5% to 10% deposit. Beyond the deposit, remember to budget for “hidden” costs like solicitor fees, surveys, and moving costs.

2. Check Your Credit Health

Lenders want to see that you’re a reliable borrower. Use apps like Experian or Equifax to check your score. Pro tip: Ensure you are on the electoral roll and avoid taking out new credit cards or loans 6 months before your application.

3. Get an Agreement in Principle (AIP)

This is your “golden ticket.” An AIP from NexGen Finance tells estate agents and sellers that a lender has pre-approved you for a certain amount. It makes your offers much more serious.

4. Explore Government Schemes

Don’t miss out on help! We can guide you through the Lifetime ISA (LISA) bonus, Shared Ownership, or the First Homes scheme to see if you can get on the ladder sooner with a smaller deposit.

5. The Property Search

Now for the fun part! Once you know your budget, start viewing properties. Look beyond the décor—check for signs of damp, the age of the boiler, and the “vibe” of the local neighbourhood at different times of the day.

6. Make an Offer

Found “the one”? It’s time to negotiate. We suggest starting slightly below the asking price. Mention that you are a Commercial Mortgage with no chain and an AIP—this makes you a very attractive buyer.

7. Instruct a Solicitor

You’ll need a legal expert (a conveyancer) to handle the paperwork, local searches, and the transfer of funds. We can recommend trusted professionals to ensure your legal journey is as smooth as your mortgage one.

8. Formally Apply for Your Mortgage

Once your offer is accepted, NexGen Finance will submit your full application. The lender will then perform a valuation to ensure the property is worth the price you’re paying.

9. Survey and Searches

While the lender checks the value, you should check the condition. A HomeBuyer Report or Building Survey will flag any structural issues. Your solicitor will simultaneously run searches to check for things like local planning permissions.

10. Exchange and Complete

Once the legal work is done and your mortgage offer is formalised, you’ll Exchange Contracts. At this point, the deal is legally binding. Shortly after comes Completion Day—the keys are yours!

Our Mortgage Guides

First Time Buyer Guides

Remortgage Guides

Bad Credit & Specialist Finance

Buy-To-Let Guides

Business Finance Guides

Moving Home Guides

Age 50+ Guides

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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