Mortgages
Whether you're buying premises, bridging a purchase or releasing equity, we arrange property finance for businesses, landlords and homeowners.
- One clear enquiry
- No obligation to proceed
- Costs explained upfront
At a glance
- £50k – £10m+
- Borrow
- Up to 75%
- Loan to value
- Up to 25 years
- Terms
- In as little as 7 days
- Bridging completion
- The property itself
- Security
- Commercial, residential & mixed
- Property types
Mortgages, explained
Whether you're buying the premises you trade from, bridging a time-critical purchase or releasing equity from property you already own, the right mortgage can transform both your monthly costs and your long-term position.
We arrange commercial, residential and specialist lending through banks, building societies and private lenders — including cases the high street turns away, such as complex incomes or unusual properties.
Bridging Loans
Short-term property finance that bridges the gap between a purchase and a sale, refinance or longer-term facility.
Commercial Mortgages
Buy, refinance or release equity from business premises at competitive rates, with terms of up to 25 years.
Residential Mortgages
Home loans arranged with specialist lenders — including for business owners, directors and complex incomes.
Equity Release Mortgages
Unlock the value tied up in property without selling, releasing capital for investment or later life planning.
Why businesses choose mortgages
Practical outcomes, not finance jargon — here's what the right facility actually does for you.
Own instead of rent
Turn rent into equity and take control of your premises, your costs and your future.
Move at auction speed
Bridging finance can complete in days when a purchase can't wait for a standard mortgage.
Release the equity you've built
Unlock capital tied up in property for investment, expansion or later-life planning.
Whole-market access
High street, challenger and private lenders compared side by side — including specialist criteria.
How it works
One enquiry, one broker, and a clear path from first call to funds in the bank.
- 1
Make an enquiry
Tell us what you need in one concise broker enquiry.
- 2
Speak with your broker
A dedicated expert calls to understand your business and what you want to achieve.
- 3
We compare lenders
Your broker approaches lenders from our panel where their criteria appear to fit.
- 4
Receive your options
Clear, side-by-side offers with every cost explained in plain English.
- 5
Funding completed
Review the available options, costs and next steps before deciding whether to proceed.
Broker enquiry · No obligation · Searches explained before you proceed
Is this right for your business?
Mortgages works hardest in situations like these.
Owner-occupiers
Businesses buying or refinancing the premises they trade from.
Investors & developers
Bridging and term finance for purchases, refurbishments and auction deals.
Directors & complex incomes
Residential lending for the self-employed, company directors and contractors.
Don't see your situation?Talk it through with a broker— if this isn't the right product, we'll tell you what is.
Finance brokers who work for you, not the lender
Applying to lenders one by one can be time-consuming. We review your requirements and approach lenders from our panel where their criteria appear to fit, then explain the available options clearly.
A focused route to suitable options
We assess your circumstances and approach lenders from our panel where the published criteria appear to fit.
One enquiry, a panel of lenders
Your broker can compare potentially suitable options without asking you to repeat the same initial information lender by lender.
A dedicated broker, start to finish
You'll deal with one named expert who understands your business and handles the paperwork for you.
Clear before you proceed
Any fees, commission arrangements and lender credit searches will be explained before you choose whether to continue.
Mortgages questions, answered
The questions business owners ask us most about this type of funding.
How much deposit do I need for a commercial mortgage?
Typically 25–30% of the property's value for an owner-occupied business mortgage. Stronger covenants, longer trading histories and lower-risk sectors can push loan-to-value higher, and additional security can sometimes reduce the cash deposit needed.
How fast can a bridging loan complete?
In urgent cases, within 7–14 days — which is why bridging is the standard tool for auction purchases with 28-day deadlines. A typical case completes in two to four weeks. Having your solicitor and paperwork ready is usually the biggest factor.
Can I get a mortgage if I'm self-employed or a company director?
Yes. We work with lenders who understand retained profits, dividend income and contractor day rates — not just payslips. You'll typically need one to two years of accounts, and your broker will present your income the way each lender wants to see it.
What's the difference between a bridging loan and a commercial mortgage?
A bridging loan is short-term (usually 3–24 months), fast to arrange and designed to be repaid by a sale or refinance — you'll need a clear exit plan. A commercial mortgage is long-term finance, repaid monthly over up to 25 years, at significantly lower rates.
Are residential and equity release mortgages regulated?
Yes — mortgages on your home, including equity release, are regulated by the Financial Conduct Authority, and advice on them must come from a suitably FCA-authorised firm. We are not authorised to give regulated advice, so we'll always make clear whether a product is regulated and who is authorised to advise you before you proceed.
Still have questions?Speak to a broker— it's free and there's no obligation.
Ready to move your business forward?
Send one clear funding enquiry or contact a broker to talk through what your business needs. There is no obligation to proceed.
Broker enquiry · No obligation · Options explained before you proceed