Trinity Finance

 

Commercial Mortgages
COMMERCIAL MORTGAGE BROKER

Finance to buy, refinance or release equity from commercial property

Whether you are purchasing premises for your business, investing in a commercial property or refinancing an existing loan, our specialist commercial mortgage advisers can help you find a suitable funding solution.

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HOW IT WORKS

A simple process from start to finish

1

Tell us your plans

Answer a few quick questions about your situation, budget and goals.

2

A specialist adviser calls

We’ll contact you to understand your needs and explain the options available.

3

We find the right options

Well research suitable mortgages and government schemes you may qualify for.

4

You take the next step

No obligation after your initial review. We’ll guide you through the next steps if you choose to proceed.

Louis Trinity Finance

You'll be in safe hands

Hi, I’m Louis.

I’m a fully qualified mortgage adviser with 20+ years of experience helping borrowers just like you. I’ll be your dedicated adviser and I’m here to make your property-buying journey as smooth as possible.

Meet Our Team

Latest Testimonials

Real reviews from real customers.

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Kwik Prints & Repro profile picture
Kwik Prints & Repro
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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.
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Florina Petecuta profile picture
Florina Petecuta
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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.
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Charlie Watson profile picture
Charlie Watson
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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.
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Sonal Patel profile picture
Sonal Patel
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Louis goes above and beyond, exceptional service and I would definitely use him for all future purchases
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David Raggett profile picture
David Raggett
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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 !!
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harry yorke profile picture
harry yorke
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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
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Kishan Assani profile picture
Kishan Assani
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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.
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Gary Gray profile picture
Gary Gray
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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.
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Jessica Vohra profile picture
Jessica Vohra
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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!
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G Zorlu profile picture
G Zorlu
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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!

Commercial Mortgage Types

What Type of Commercial Mortgage Do You Need?

Owner-Occupied Commercial Mortgages

An owner-occupied commercial mortgage allows a business to purchase the premises it trades from.

This could include an office, shop, warehouse, industrial unit, surgery, restaurant, care facility or another type of business property.

Instead of paying rent to a landlord, your business makes repayments towards a property it owns. You may also be able to refinance premises already owned by the business.

An owner-occupied commercial mortgage may be suitable when you want to:

  • Purchase your current rented premises
  • Move into a larger commercial property
  • Open an additional location
  • Secure long-term premises for your business
  • Refinance an existing commercial mortgage
  • Release equity for business investment
  • Fund improvements or refurbishment

Commercial Investment Mortgages

A commercial investment mortgage is used to purchase or refinance a property that will be rented to another business.

The lender will consider the strength of the property, the expected or existing rental income and the quality of the tenant and lease. They may also assess your experience as a property investor and your wider financial position.

Commercial investment properties can include:

  • Offices
  • Retail units
  • Warehouses
  • Industrial units
  • Restaurants and cafés
  • Medical premises
  • Leisure properties
  • Multi-unit commercial buildings
  • Commercial properties with established tenants

Semi-Commercial Mortgages

A semi-commercial mortgage is designed for properties that contain both commercial and residential accommodation.

Examples include:

  • A shop with a flat above
  • An office with residential accommodation
  • A pub with an owner’s residence
  • A restaurant with flats on the upper floors
  • A mixed-use building containing commercial and residential units

Semi-commercial properties require specialist underwriting because lenders need to assess both elements of the building.

The commercial income, residential rental income, property configuration, lease structure and intended use can all affect which lenders will consider the application.

Commercial Remortgages and Equity Release

You may be able to refinance a commercial property to replace an existing facility, restructure your borrowing or release some of the equity held in the property.

Capital released from a commercial property may potentially be used for:

  • Business expansion
  • Purchasing equipment
  • Refurbishing premises
  • Buying another property
  • Improving working capital
  • Consolidating eligible business borrowing
  • Buying out a business partner
  • Funding a new business location

The property value, outstanding mortgage, business performance and proposed use of the funds will all be considered.

Specialist Commercial Mortgage Advice

Commercial mortgages are rarely straightforward. Every lender has different requirements regarding property type, business performance, trading history, tenant profile, lease terms and the amount of deposit or equity required.

At Trinity Finance, we take the time to understand both the property and the business behind the application. We then identify lenders whose commercial mortgage criteria are suited to your circumstances.

Our advisers can help you compare the overall cost of different options, prepare the necessary documentation and present your application in a clear, lender-friendly format.

Whether you are an established business owner, an experienced commercial property investor or considering your first commercial purchase, we will guide you through the process from initial enquiry to completion.

Speak to a Commercial Mortgage Adviser

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Commerical Stamp Duty Calculator

Speak to an expert mortgage adviser from Trinity Finance

Our specialist 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.

Maria Goble

Maria Goble

Mortgage Consultant

Louis Trinity Finance

Louis Chalk

Mortgage Consultant

Emma Frost

Emma Taylor

Mortgage Consultant

Vijay Mahajan

Vijay Mahajan

Mortgage Consultant

FAQs

A commercial mortgage is a loan secured against property that is used wholly or partly for business purposes.

It can be used by a business buying premises to trade from or by an investor purchasing a property to rent to another business.

An owner-occupied commercial mortgage is used when your own business will operate from the property.

A commercial investment mortgage is used when the property will be rented to another business. The lender will usually place more emphasis on the tenant, lease and rental income.

A deposit of approximately 25% or more is common, although the amount required varies significantly.

A stronger business, standard commercial property and lower-risk transaction may support a higher loan-to-value ratio. Specialist properties, new businesses and higher-risk sectors may require a larger deposit.

Yes. Commercial mortgages can be arranged for limited companies, limited liability partnerships, partnerships, sole traders and certain other borrowing structures.

The lender may request personal guarantees from directors, shareholders or business owners.

A personal guarantee may be required, particularly where a limited company is borrowing.

The requirement and amount will depend on the lender, business, loan-to-value ratio and overall transaction. Independent legal advice may be required before the guarantee is accepted.

Potentially. Some lenders require an established trading history, while specialist lenders may consider start-ups and newer businesses.

Relevant industry experience, a strong business plan, financial forecasts and a larger deposit may help support the application.

Potentially. Specialist lenders may consider historic defaults, County Court judgments, missed payments and other adverse credit.

The lender will assess the age, value, reason and current status of the credit issue alongside the strength of the property and business.

Both fixed and variable commercial mortgage options may be available.

Variable rates are often linked to the Bank of England base rate or the lender’s own reference rate. Fixed-rate periods may also be available, depending on the lender and transaction.

Watch more videos from Trinity Finance

The Advantages Of Using A Mortgage Broker

Self-Build Mortgages With Trinity Finance

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Trinity Financial Ltd Registered Company Number: 09621298 Registered in England and Wales. Registered Office; Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ. Trinity Finance is a trading name of Trinity Financial Ltd which is authorised and regulated by the Financial conduct Authority.