Commercial Mortgage Broker & Adviser UK

Secure the Best Commercial Mortgage Deals with Trinity Finance

As an independent commercial mortgage broker and adviser, Trinity Finance helps UK businesses and investors access the most competitive commercial mortgage rates across the market.

Whether you’re purchasing new premises, refinancing existing property, or developing land, our team of specialists will structure a tailored finance solution that supports your goals.

SPEAK WITH AN EXPERT

Why Choose Trinity Finance as Your Commercial Mortgage Broker

Choosing the right commercial mortgage adviser can save you time, money, and stress. Trinity Finance combines deep market knowledge, long-standing lender relationships, and FCA-regulated advice to deliver superior outcomes for our clients.

Whole-of-Market Access

We’re truly independent brokers — meaning we can source funding from high street banks, challenger lenders, private banks, and specialist providers who don’t deal directly with the public.

Expert Advice

Our experienced commercial mortgage advisers understand complex lending structures and can negotiate bespoke terms — including flexible repayment options, interest-only terms, and competitive loan-to-value ratios.

Fast, Transparent, and Professional

We manage the entire process — from initial enquiry to completion — keeping communication clear and timelines tight. No hidden fees, no surprises.

Trusted by Businesses Nationwide

Over £X million in commercial loans arranged across the UK, covering retail, industrial, office, mixed-use, and development projects.

Commercial Mortgage Rates & Lending Criteria

Rates and terms vary based on property type, location, borrower profile, and market conditions. Below are indicative examples:

Type of Mortgage	Typical LTV	Term	Interest Rates (Indicative)	Notes
Owner-Occupied	Up to 75%	5–25 years	from 6.0% p.a.	Based on trading accounts
Investment	Up to 75%	5–20 years	from 6.25% p.a.	Rent must cover repayments
Development	Up to 70% GDV	12–36 months	from 8.0% p.a.	Drawdown in stages
Bridging	Up to 85%	3–18 months	from 0.7% per month	Exit strategy required

What Is a Commercial Mortgage?

A commercial mortgage is a loan secured against property that’s used for business purposes — such as offices, warehouses, retail units, or mixed-use premises.

It can be used to:

Purchase a business premises or investment property
Refinance existing debt to reduce costs or release capital
Fund development or refurbishment projects
Acquire additional properties for investment or expansion

Unlike residential mortgages, lenders assess the property’s income potential, business performance, and market value before approval.

Types of Commercial Mortgage We Arrange

At Trinity Finance, we structure and source a wide range of commercial property finance solutions:

Owner-Occupied Commercial Mortgages

For businesses buying their own trading premises. Often used by limited companies, partnerships, or sole traders looking to stop renting and own their base.

Commercial Investment Mortgages

For landlords and investors purchasing income-producing properties such as offices, retail units, or industrial spaces.

Semi-Commercial Mortgages

For properties with both commercial and residential elements (e.g. shop with flat above).

Trusted by Businesses Nationwide

For new builds, conversions, and refurbishments. Funding can cover land purchase and construction costs.

Bridging Loans

Short-term finance to bridge the gap between property transactions, or when a quick purchase is required before long-term funding is in place.

Refinance & Equity Release

Unlock capital tied in property or switch to better terms with another lender.

Case Studies: Real-World Success

Retail Investment in London

A client sought £750,000 to purchase a mixed-use retail and residential unit. We secured 70% LTV at 6.15% with a 20-year term from a specialist lender.

“Trinity Finance made the process effortless – they found a lender who understood our project.” — S. Patel

Industrial Unit for Owner-Occupier

A manufacturing business wanted to buy its premises rather than lease. We arranged £1.2m funding at competitive terms within 6 weeks, saving the client over £40,000 in annual rent.

FAQs

What types of properties qualify for a commercial mortgage?

Shops, offices, warehouses, factories, pubs, care homes, and mixed-use properties.

What is the maximum loan-to-value (LTV)?

Typically up to 75%, depending on the lender, property type, and borrower profile.

How long does approval take?

Simple cases: 4–8 weeks.
Complex or development loans: 8–12+ weeks.

Are commercial mortgage rates fixed or variable?

Yes. Most lenders require at least 25–30% deposit.

Can I use a commercial mortgage to buy mixed-use property?

Yes — for example, a shop with flats above or a restaurant with accommodation. These are called semi-commercial mortgages, and Trinity Finance arranges them regularly for both investors and owner-occupiers.

What’s the difference between a commercial mortgage broker and a commercial mortgage adviser?

A broker focuses on sourcing and arranging the loan, while an adviser provides strategic financial advice on structure, affordability, and long-term planning. Trinity Finance combines both roles — giving you comprehensive support from consultation to completion.

What are the typical fees for a commercial mortgage?

Fees may include:

Lender arrangement fee (usually 1–2%)
Broker fee (transparent and disclosed upfront)
Valuation and legal costs
Possible exit or early repayment charges
We’ll always provide a full breakdown before you proceed.

How much deposit do I need for a commercial mortgage?

Most lenders require between 25%–35% deposit. However, with strong financials or additional security, we can sometimes negotiate higher Loan-to-Value (LTV) ratios.

How can you help us find the best mortgage deal

Both options exist. Fixed rates offer stability, while variable rates can follow base rate changes.

How long does it take to get a commercial mortgage offer?

Indicative terms can often be obtained within 48–72 hours.

A full mortgage offer typically takes 2–4 weeks, depending on the complexity, lender, and documentation.

Can I get a commercial mortgage through my limited company?

Yes. Many borrowers use SPVs (Special Purpose Vehicles) or trading companies.

Do I need a commercial mortgage broker?

A broker gives you access to more lenders, negotiates better terms, and handles complex paperwork — saving time and reducing risk.

How does a commercial mortgage broker help me get better rates?

A commercial mortgage broker like Trinity Finance compares multiple lenders across the market — including banks that don’t deal directly with the public — to secure the most competitive rates and terms. We negotiate on your behalf, often achieving lower margins and more flexible repayment structures than going direct.

Can I get a commercial mortgage with bad credit or limited trading history?

Yes, specialist lenders may still consider your application. As a whole-of-market broker, we work with lenders who assess each case individually and may lend based on asset value, business performance, or personal guarantees rather than credit score alone.

Commercial Stamp Duty Calculator

Use our commercial stamp duty calculator to instantly calculate the stamp duty (SDLT) payable in England and Northern Ireland.

Our stamp duty calculator

Purchase Price (£) Calculate net present value (NPV) of rent on a lease?

This stamp duty calculator provides you with an insight into your stamp duty liability when purchasing a non-residential or mixed-use property or land.

Speak to an expert Commercial Mortgage adviser

Our specialist commercial mortgage brokers are here to guide you through the entire mortgage and finance process, helping you secure the best mortgage deal tailored to your needs.