1. Tell us the requirement
Start with the amount, purpose and timing. You do not need to choose the correct product first.
Larger & specialist funding
Commercial Mortgages for Business Property
A commercial mortgage is borrowing secured on commercial property for a business or eligible commercial investment purpose. It may support buying business premises, refinancing an existing facility or business-purpose capital raising, subject to property assessment and a sustainable repayment case.
Usually takes around 5–8 minutes. An enquiry does not commit you to taking finance.
Access to 250+ funding routes through our lender & specialist partner network.
Business premises and eligible commercial investments
Owner-occupied funding links the property requirement to the business’s trading performance. Commercial investment circumstances require individual review of borrower structure, leases, rental income, tenant quality and occupancy. NBS does not promise that every investment or property type is within provider appetite.
These routes concern commercial and business funding introductions. Personal residential mortgages and consumer homeowner borrowing are outside this page’s scope. Mixed-use properties and ambiguous occupancy or borrower arrangements require individual review; they should not be assumed suitable.
What supports the borrowing case?
- Property type, condition, location, value and any restrictions.
- Deposit or existing equity and its source.
- Trading performance, cash generation and existing debt for owner-occupied premises.
- Rental income, lease terms, vacancies and tenant information where relevant.
- Amount, purpose, term and proposed repayment structure.
The deposit or equity requirement is provider-specific. A property valuation and affordability review can change the amount considered. No published figure here is an offer or assumed approval.
Term structure and total costs
Review the repayment profile, any interest-only element, rate basis, review terms and balance due at the end. A longer term may reduce periodic repayments while increasing total financing cost. Compare arrangement, valuation, legal, broker or introducer disclosures, early-repayment and other agreement charges without relying on a headline rate alone.
Where a property cannot yet support a conventional longer-term facility, commercial bridging finance may be reviewed only alongside a credible exit. The commercial property funding hub compares the starting routes.
From requirement to completion
- Explain the commercial purpose, property, amount and contribution.
- A suitable provider reviews financial and property information.
- Valuation, legal due diligence and any conditions follow if the case progresses.
- Review the actual offer, security, repayments and costs before completing.
Useful information to prepare
You do not need every item to start. Tell us the amount, purpose and timing; NBS can explain what would help the next review.
- Property particulars and proposed purchase terms or refinance statement
- Estimated value, existing charges and equity contribution
- Latest accounts, management accounts and recent bank statements
- Existing facility schedule and repayment projections
- Leases, tenancy and rental details where applicable
- Ownership, legal entity and intended occupancy
Important considerations
- Secured property may be repossessed if obligations are not met.
- Variable rates, tenant changes or trading setbacks can affect affordability.
- Early-repayment terms may constrain future refinancing.
- Completion depends on valuation, legal work and provider conditions.
NBS Finance is a commercial finance broker and introducer, not a lender. Providers make funding and credit decisions and set the amount, charges, security and terms. An enquiry or introduction does not guarantee finance.
The NBS enquiry process
2. Review the starting route
NBS reviews the information and identifies an appropriate starting route through its lender and specialist partner network.
3. Provider assessment
A suitable provider may request further information and decide whether to offer terms. Review any offer before committing.
Frequently asked questions
Can a business refinance and raise additional capital?
It may be considered for an appropriate business purpose, subject to equity, affordability, existing borrowing and provider criteria.
Is a commercial investment property automatically eligible?
No. Borrower circumstances, property use, leases, rental income and provider appetite need individual review.
Is there a fixed deposit requirement?
No universal deposit is stated here. The contribution depends on the property, valuation, borrower and provider.
Can I compare a bridge and a mortgage?
Yes. A bridge requires a credible short-term exit; a mortgage requires a sustainable longer-term repayment case.
Tell us what the business needs
Tell us the amount, purpose and timing. We can review which starting route appears most relevant.
One enquiry. No commitment to take finance. Subject to provider assessment and terms.