Commercial Finance Types

Commercial Finance Lenders tend not to deal in all areas of the market.

Certain lenders deal solely in care homes whereas others may deal solely in pubs. Certain lenders deal solely in London and the South East whereas other lenders deal in England as a whole. Other lenders deal in England and Wales but not Scotland whereas other lenders deal within the whole of the British Isles. Certain lenders will only lend on owner occupied properties whereas others require the property to be empty.

The list goes on and the diverse nature of the situations and circumstances to which lenders will or will not lend requires an industry specialist such as UK Property Finance to navigate. Only companies such as ourselves who focus solely on this continuously evolving area of the finance market would be able to provide a near instant YES of NO answer on the possibility of funding. UK Property Finance are a whole of market master broker and make it our personal mission to be aware of what finance is available and to be able to provide quick quality answers to our clients.

The table below details some of the examples of the current commercial property finance types and scenarios that lenders accept or do not accept as security for a commercial mortgage. The data is taken from a cross section of 50 lenders.


Commercial Business Type Number of Lenders that DO accept business type as security Number of Lenders that DO NOT accept business type as security
Care Homes 4 46
Schools / Nurseries 4 46
Owner occupied 20 30
Hotels 22 28
Going Concerns 15 35
Public houses 18 32
Land 3 47
Mixed use 45 5
House of Multiple Occupancy 45 5
Investment 48 2
Residential Commercial 42 8
Commercial Usage of 20% 42 8
Live / Work Units 39 11
Farms 2 48
Equestrian Centres 3 47
Agricultural Ties 11 39
Industrial Units 32 18
Flying Freehold 34 16
Buy to Let 45 5
Chemical Works 1 49
Contaminated Properties 2 48
Religious Buildings 3 47
Buildings used by Charities 9 41
Petrol Stations 8 42
Charity homes 8 42

Pricing models can be complex and our lenders will consider a number of factors such as the security available, financial accounts, client experience and credit history before making a formal offer.

This list is not prescriptive and as a whole of market broker we are more than happy to discuss your business financial needs and guide you through to arrange and complete on a financial solution.

Investors or Owner Occupied

We provide a variety of mortgages using lenders from our extensive partner panel. Our clients include owner-occupiers and investors. We also tailor packages where possible ensuring the mortgage deals fit our client requirements. These include:

  • Both long term and short term options
  • Types of interest only and repayments
  • Arrangement fees paid on application or added
  • Both variable and fixed rates
  • On the provision of additional security, Higher LTV funding is available
  • Additional borrowing and Refinancing

Commercial loans are not as easily obtained like the residential, but can be used for a variety of reasons such as property development, expanding your business premises, cash flow and debt consolidation.

Use our Commercial Finance Calculator