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.

Louis Chalk

Associate Director

Amit Patel

Commercial Mortgage Consultant

Darren Rickard

Commercial Mortgage Consultant

Patrycja Michalek

Commercial Mortgage Consultant

Omer Mehmet

HMO Managing Director

Call us: 01322 907 000

Email Us

Latest Testimonials

Kwik Prints & Repro

I have known Vijay since his time at Lloyds Bank and have maintained that relationship over the years because of the trust and confidence I have always had in his knowledge, professionalism and approach. Most recently, Vijay helped us with what was a particularly complex Buy-to-Let mortgage requirement. From the outset, he took the time to fully understand our circumstances and exactly what we were trying to achieve. His knowledge of the mortgage market and specialist property finance enabled him to navigate the complexities of the case and ultimately find the right solution for us. What particularly stands out about Vijay is his attention to detail and his ability to genuinely listen to every requirement. He does not take a one-size-fits-all approach. He explains the options clearly, keeps you informed throughout the process and is extremely thorough in ensuring that every detail is dealt with correctly. The service we received was brilliant from beginning to end, and it reinforced why I have continued to trust Vijay since first dealing with him at Lloyds many years ago. I would also like to give a special mention to James for his exceptional administrative support throughout the process. His efficiency, communication and assistance behind the scenes were greatly appreciated and contributed enormously to the overall experience. A genuinely professional and knowledgeable service. I would have no hesitation whatsoever in recommending Vijay to anyone looking for mortgage advice, particularly where the circumstances are more complex and require experience, patience and attention to detail.

Florina Petecuta

I had a great experience with Trinity Finance and would highly recommend them. Joe, my mortgage adviser, was amazing throughout the whole process. He was extremely knowledgeable, always quick to respond, and took the time to answer all my questions and explain everything clearly. He made the whole mortgage process feel much easier and less stressful. I also had a great experience dealing with James and the rest of the team, who were always helpful and professional. I decided to use the solicitors recommended by Trinity Finance as well, and I was very happy with them. They were knowledgeable and experienced, kept me informed throughout the process, and were always happy to answer my questions. Overall, I had a really positive experience from start to finish and would definitely recommend Trinity Finance, and Joe in particular, to anyone looking for a mortgage adviser.

Charlie Watson

We were lucky enough to have Alasdair guide us through the process of buying our first property. Could not recommend him enough. Explains everything clearly and simply, in a friendly manner that welcomes any questions.

Sonal Patel

Louis goes above and beyond, exceptional service and I would definitely use him for all future purchases

David Raggett

I recently worked with Lisa Ingram at trinity when going through the purchase of my first house. As a first time buyer doing it alone, I didn’t know where to begin and felt very lost by the whole process… but from my first conversation with Lisa I felt much more at ease. She took the time to explain everything to me and looked at all different kinds of options. Any time I messaged or needed to talk she’d always respond promptly or arrange a telephone call. She was very professional and thorough and I really felt like she had my best interests at heart and wanted to get me the best possible deal. From start to end she has been incredibly helpful and I can’t recommend her and trinity enough. 10/10 !!

harry yorke

I can’t recommend Trinity Finance enough. They made the whole mortgage process so much easier and took the stress out of everything. The team were always on hand to answer my questions, kept me updated every step of the way, and worked hard to find me the best mortgage for my situation. Their advice was clear, honest, and professional from start to finish. I always felt like they had my best interests at heart, and nothing was ever too much trouble. If you’re looking for a mortgage broker who genuinely cares Maria & Vince goes the extra mile, I’d definitely recommend Trinity Finance. Thank you for all your help over the many years

Kishan Assani

Excellent service!. Faisal secured us a better rate than we could find ourselves and navigated two buy-to-let mortgages effortlessly. He went beyond just finding rates - he challenged our assumptions, explained the complexity, and genuinely cared about getting us the right deal. Highly recommended for property investors.

Gary Gray

Nicola has been outstanding from start to finish, always willing to go the extra mile. She offered clear guidance at every step of the mortgage process and made what could have been a stressful experience feel smooth and manageable. Her support has been invaluable. I’ve already recommended Trinity Finance to family and friends and will continue to do so.

Jessica Vohra

I cannot recommend Bijal highly enough. From start to finish, she was incredibly helpful, professional, efficient and supportive throughout the entire mortgage process. Thank you again for all your help! Appreciate your efforts!

G Zorlu

Jordan was absolutely fantastic from start to finish. As a first-time flat buyer, the whole process could have been overwhelming, but Jordan made everything so straightforward and stress-free. He was always on the ball, incredibly responsive, and kept me updated every step of the way. No question was ever too much trouble, and he was always happy to explain things clearly. His professionalism, knowledge, and dedication gave me complete confidence throughout the entire mortgage process. Thanks to Jordan’s hard work, I was able to purchase my flat without any unnecessary stress. I couldn’t recommend him highly enough to anyone looking for a reliable, knowledgeable, and genuinely supportive mortgage adviser. Thank you, Jordan!