COMMERCIAL MORTGAGES

Begin your next move with a Commercial Property Mortgage

Whether you’re acquiring a new retail shop to expand your business or a modern office to act as HQ, a commercial mortgage makes owning your own business property more accessible.

Borrow from £50,000 to £50 million to secure your business property

Compare business mortgages from 30+ lenders

Check your eligibility in minutes without affecting your credit score

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Already a Tide member? You can apply for loans and other finance directly within the Tide app.

Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK.

Providing over £1 billion in funding to more than 17,000 UK businesses, we’re on a mission to help business owners grow with confidence.

How do Commercial Property Mortgages work?

Repayment terms from 3 to 25 years

Most lenders will require a 30% deposit

Maximum loan-to-value (LTV) ratio is typically 80% of the value of the property you’re looking to purchase

There are fixed rate terms for up to 10 years, with the majority being around 5 years - your rate will depend on the size of the loan and the length of the loan term

Your business mortgage will be secured against the property that you require the loan for

If you choose an interest-only mortgage, your monthly payments will only cover the interest on the amount you borrow, not the original loan amount. Your monthly payments will be lower, but you’ll owe the full loan amount at the end of the term

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Types of Commercial Mortgages

Owner-occupied

If you’re purchasing a property to use yourself, eg an office, shop or warehouse, you’ll want an owner-occupied mortgage.

It means your business will own its premises, rather than renting, which will build equity over time.

Commercial investment

This type of mortgage is for anyone wanting to buy commercial property to rent out for a steady rental income.

You'll need a buy-to-let mortgage for residential rentals. Semi-commercial mortgages are also available for mixed-use buildings.

Bridging loans

If you need a short-term solution to help you purchase a property quickly or during a sale, a bridging loan is a faster alternative.

They’re quick to arrange but typically come with higher interest rates - although are a great option whilst you’re waiting to secure long-term finance.

Development finance

Development finance is a short-term option used for a wide range of construction and renovation projects, from new builds to conversions.

Your money is often released in stages, which makes it easier to complete your next project without waiting for the last property to sell.

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Are you eligible for a Commercial Mortgage?

Your eligibility depends on several factors, like the type and value of the property, your intended use of it and your deposit type.

Who’s eligible for Tide’s Commercial Mortgages?

To be eligible for a commercial real estate mortgage from Tide, you must:

Be over 18

Be a UK resident

Have a UK-based business

Have a UK bank account

What do you need to apply for a Commercial Mortgage?

Basic information about your business, such as how old it is, and your annual revenue

Information on directors and shareholders

Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

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How to get a Commercial Mortgage through Tide

As a finance broker with access to over 120 commercial mortgage lenders, Tide will find a lender tailored to your business - and the process is simple.

Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

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We've already helped businesses secure more than £1 billion

We’ve provided funding to more than 17,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

What are the benefits of Commercial Mortgages?

Lower interest rates

Business mortgage loans typically offer lower interest rates than unsecured business loans, potentially saving you money over the loan term.

Rental income

If you find yourself with space to spare, whether that's an extra floor or room, you can rent it out to bring in some extra cash.

Tax benefits

The interest you pay on a commercial mortgage is typically tax-deductible, which could lead to significant tax savings for your business.

Increased stability

You're not subject to rent increases if you own the property, and you'll be increasing your own equity with each mortgage payment.

More flexibility

Owning property gives you more freedom - whether that's renting it out if you move, or making the space your own.

Capital growth potential

Owning commercial property could lead to capital gains if the value of the property increases over time, turning it into a valuable asset for your business.

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Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

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What is a Commercial Mortgage loan?

A commercial mortgage - also known as a business mortgage - is a type of loan that’s used specifically to buy land and property for business purposes.

It’s ideal for businesses looking to move into new premises, expand into more locations, or grow their property portfolio as a landlord, without having to pay the full cost upfront. Instead, a mortgage allows you to spread the cost over more manageable monthly payments.

These loans are typically used to purchase premises like offices, shops, warehouses, restaurants and more.

What fees are involved with a Commercial Mortgage?

📃 Arrangement fee

Paid to the lender for arranging the loan. It can be added to the total loan amount, but you could pay interest on it over the loan term.

🏢 Valuation fee

You’ll need a valuation of the property to assess its worth before you receive a mortgage offer. Valuation fees are typically higher with commercial properties as there is more to consider.

⚖️ Legal fees

These will vary depending on your choice of solicitor and the complexity of the property purchase. You’ll also need to cover the cost of the lender’s legal fees.

🚀 Broker fees

A specialist business mortgage broker, like Funding Options by Tide, will help you find the best deal and support your application to the lender. This fee is typically up to 1.5% of the value of the loan.

What can you use a Commercial Property Mortgage for?

There are multiple uses of mortgages for businesses - and the loan you need will depend on what you intend to use it for.

Buying your own premises

Whether you’re looking for somewhere to store your inventory or an office to base your operations out of, owning your own space can provide more control and stability for your business.

Refinancing existing property loans

If you already own your commercial property, refinancing can help you get a better interest rate. It can also help you combine multiple business mortgages into one monthly payment.

Acquiring land for development

Use a commercial mortgage to purchase the land for your next construction or development project - whether that’s designing your own purpose-built property or a new build development.

Expanding or relocating your business

As you begin to grow and scale your business, it’s likely you’ll need more space. With a business mortgage you can relocate or expand into more locations without paying a huge upfront cost.

Investing in property as a landlord

Commercial mortgages help you spread the cost of new properties, whilst generating ongoing rental income. This makes it easier to expand your property portfolio, without paying any large upfront costs.

Raising capital for your business

Release equity from commercial property that you already own and free up cash to provide your business with working capital. You can use this money to fund new projects, invest in new assets, or improve day-to-day cash flow.

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

Track your credit score

Do you need help financing another project?

Whether you’re stacked with overdue invoices or after more flexible funding for wider projects, we have options for you.

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Pick up essential equipment or vehicles without upfront capital.

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Invoice Finance

Unlock cash from unpaid invoices, improving immediate cash flow.

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