Commercial Mortgages with Money Factors Ltd

Looking for a commercial mortgage to expand your business or property portfolio? Money Factors Ltd can assist across the UK.
We help clients secure competitive commercial mortgages that meet specific financial goals and individual circumstances.
Whether you’re purchasing business premises or investing in property, our experienced team will support you at every stage.

What Is a Commercial Mortgage?

A commercial mortgage is a loan secured against property used for business or investment rather than residential living.
This includes office buildings, retail premises, warehouses, care homes, or blocks of flats used to generate rental income.
Commercial mortgages are typically used by business owners, landlords, and investors with long-term property ambitions.
These loans support purchasing, refinancing, or expanding commercial and mixed-use property portfolios.

How Are Commercial Mortgage Rates Determined?

Interest rates vary depending on the loan amount, property type, and the applicant’s financial history.
At Money Factors Ltd, we liaise with lenders to secure terms that reflect your profile and borrowing needs.
Lenders assess several factors before offering rates and terms for a commercial mortgage application.

Loan Amount: Larger loans may carry higher risk and often attract increased interest rates.
Loan-to-Value Ratio (LTV): A higher borrowing percentage typically leads to a higher rate.
Credit and Financial History: Lenders examine trading accounts, credit score, and affordability.
Property Purpose: Owner-occupied premises usually receive better terms than investment properties.
Tenant and Lease Terms: Investment properties are assessed for tenant reliability and lease duration.

Lender criteria vary, so using a broker like Money Factors Ltd helps you access a broader selection of options.

Fixed vs. Variable Commercial Mortgage Rates

Choosing between fixed and variable rates will affect long-term affordability and monthly repayment certainty.

Fixed Commercial Mortgage Rates

Fixed rates remain unchanged for a set period (e.g., 2 to 10 years).
They provide predictable payments, which help manage cash flow and business forecasting.
This option suits businesses that prefer consistent financial commitments.

Variable Commercial Mortgage Rates

These rates change in line with base rate movements, such as the Bank of England Base Rate or SONIA.
Initial rates may be lower, but they can increase with market changes, affecting repayment costs.
This suits borrowers who are comfortable with fluctuating payments and wider financial flexibility.

We can help you choose between the two based on your tolerance for rate movement and long-term plans.

Should You Fix Your Commercial Mortgage Rate?

A fixed-rate provides cost stability, which benefits businesses requiring consistent budgeting.
Variable rates might reduce costs early on but could rise sharply if interest rates increase.
Choosing the right rate depends on your need for payment certainty versus flexibility in future finances.
Money Factors Ltd can assess your position and recommend the most appropriate solution.

What Are the Current Commercial Mortgage Rates in the UK?

Commercial mortgage rates in the UK usually range between 6% and 12%, depending on circumstances.
These rates are influenced by loan size, property type, and individual risk profile.
Rates change frequently, so accurate comparisons depend on up-to-date lender data.
Our team continuously monitors lender terms to ensure you receive current and competitive deals.

Who Needs a Commercial Mortgage?

Commercial mortgages are ideal for:

• Business owners purchasing property for their operations

• Investors buying commercial premises to rent to other businesses

• Residential landlords buying blocks of flats or HMOs for rental income

• Portfolio owners refinancing or consolidating commercial and buy-to-let holdings

We help applicants at all stages, whether starting or expanding their property ventures.

What Types of Property Can You Buy with a Commercial Mortgage?

You can finance many types of commercial premises using this form of borrowing:

• Offices and retail units

• Warehouses and industrial spaces

• GP surgeries, care homes, and dental practices

• Veterinary surgeries and pharmacies

• Hotels, guest houses, and B&Bs

• Residential blocks and licensed HMOs

• Agricultural land and equestrian centres

• Funeral directors and other niche-use premises

We match you with lenders experienced in funding your property type.

Which Commercial Mortgage Is Right for You?

The most suitable commercial mortgage depends on your business needs and financial structure.

Important considerations include:

• The purpose of the property

• Loan term required

• Deposit amount available

• Your industry or property sector

• Financial performance and repayment ability

Some lenders favour particular sectors, while others offer broader lending criteria and flexible terms.

At Money Factors Ltd, we assess your full financial profile before suggesting suitable lenders.
Whether it's your first commercial unit or a large portfolio refinance, we aim to provide appropriate solutions.

Why Choose Money Factors Ltd for Your Commercial Mortgage?

• Experienced Brokers: We understand the complexities of commercial property finance

• Whole-of-Market Access: We compare terms from high street and specialist lenders

• Tailored Advice: Our recommendations are based on your business and property objectives

• Efficient Process: We manage the paperwork, applications, and lender correspondence

• Property Expertise: From retail to hospitality, we’ve arranged mortgages for a wide variety of sectors

Speak to a Commercial Mortgage Specialist Today

Contact Money Factors Ltd to discuss your commercial mortgage needs.
We will help you secure a suitable and competitive loan, whether purchasing, refinancing, or expanding.

Call today or 📧 book a consultation with one of our experienced mortgage advisers.

Please note: The FCA does not regulate Most Commercial Mortgages.