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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

 Apply now

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 £1.6 billion in funding to more than 43,000 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

Apply now

Access a range of business finance options from our trusted partners

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.

Apply now

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. 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.

 Apply now

How to apply for a commercial mortgage through Tide

With access to 30+ commercial mortgage lenders, Tide will find a lender tailored to your business - and the process is simple.

  1. 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.

  2. 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.

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

 Apply now

We've already helped businesses secure more than £1.6 billion

We’ve provided funding to more than 43,000 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.

Apply now

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.

What fees are involved with a commercial mortgage?

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.

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.

Business loans

Business credit cards

Asset finance

Invoice finance

Learn more about financing your business

Explore more funding guides
Explore more funding guides
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