Commercial Mortgages: Own Your Business Premises, Control Your Future

Business Mortgages for Owner-Occupied Properties

Hotels • Care Homes • Pharmacies • Offices • Manufacturing • Retail Spaces

Stop paying rent to landlords. Build equity in your business property instead.

Why Smart Business Owners Choose Commercial Mortgages

Lower Your Monthly Overheads

Commercial mortgage payments often cost less than rent—while you build valuable property equity. Lower rates than unsecured loans mean more cash flow for growth.

Gain Total Control

No more landlord restrictions. Refurbish when you want. Expand your space. Make the property work exactly how your business needs it to.

Build Wealth as You Trade

Every mortgage payment increases your property equity. When you retire or sell, you own a valuable asset—not just memories of rent receipts.

Tax Efficiency

Mortgage interest is typically tax-deductible. Your accountant will love the improved structure. Your bank balance will too.

At Acorn.finance We Specialise In Owner-Occupied Commercial Properties

With 7 UK Best Broker Awards and roots going back to 1997, we’ve mastered the art of securing competitive commercial mortgages for business owners who want to own their premises.

Properties We Finance:

Healthcare & Wellness

Care homes and nursing facilities
Dental practices and medical centres
Pharmacies and chemists
Veterinary surgeries

Hospitality & Leisure

Hotels and B&Bs
Restaurants and cafes
Pubs and bars
Leisure facilities

Retail & Professional

High street shops
Showrooms
Offices and consulting rooms
Salons and beauty clinics

Industrial & Specialist

Manufacturing units
Warehouses and distribution centres
Garages and MOT centres
Trade counters

Beyond Basic Mortgages: Total Property Solutions

Purchase Your Trading Business & Property

Buy the entire operation—not just bricks and mortar. We work with lenders who understand going concern valuations, often securing better rates and higher loan-to-value ratios.

Refinance to Release Capital

Already own your premises? Refinance to unlock equity for expansion, refurbishment, or debt consolidation at commercial rates far lower than business loans.

Finance Major Refurbishments

Transform tired premises into profit-generating showcases. Increase property value while improving customer experience and operational efficiency.

Consolidate Expensive Debt

Replace high-interest credit cards, unsecured loans, or merchant cash advances with a single, lower-cost commercial mortgage. Typical clients save thousands monthly.

What Can You Use a Commercial Mortgage For?

How Much Can You Borrow?

Typical Lending:

Up to 75% loan-to-value for most owner-occupied commercial properties. Less for some “going concern” businesses (pubs, hotels etc.) but can be against the Going Concern value rather than just the property or Vacant Possession.

Available Amounts:

From £40,000 to £50 million+ (larger facilities available through syndication of loans)

Repayment Terms:

5 to 30 years, giving you breathing room to grow.

Interest Rates:

Significantly lower than unsecured business finance—typically from 2% over Bank of England Base rate to 9% depending on your circumstances.

The exact amount depends on your business profitability, property value, and sector. Our specialists assess every case individually to maximise your borrowing power.

Let's Calculate Your Needs & Availability

The 3 Questions Every Lender Asks (And How We Help You Answer Them)

Who's the Borrower?

We position your application to highlight your experience, track record, and commitment to your sector—even if your credit isn't perfect.

What's the Money For?

We craft a compelling case that demonstrates how the property supports your business operations and generates revenue.

How Will You Repay It?

We present your trading history and projections in formats that satisfy even cautious lenders, showing clear debt servicing capability.

Different lenders have different appetites. We work with almost every commercial mortgage lender in the UK to find the perfect match for your situation.

We Solve "Difficult" Cases

Many brokers say no. We say “let’s find a way.”

Funded sitting tenants at over 90% of purchase price
Secured mortgages for businesses with limited trading history
Arranged finance for mixed use properties
Delivered solutions for applicants with adverse credit
Helped exercise lease options with 100% funding

Complex Case? Let's Solve Your Commercial Mortgage Problem!

Bad Credit?

We work with specialist lenders who look beyond credit scores to assess your business viability.

Complex Structures?

Limited companies, partnerships, SPVs—we navigate them all.

Unusual Properties?

From listed buildings to mixed-use developments, we find willing lenders.

Why Choose Acorn.finance?

Whole-of-Market Access

We search virtually every UK commercial lender

28 Years of Expertise

Since 1997, we've seen and solved it all

48-Hour Approvals Available

Speed when you need it most

7x Award Winners

Recognised excellence you can trust

Full NACFB Members

5 Star Reviews

See what our clients say about us

Let's Discuss Your Commercial Mortgage Needs

Start Your Application

Business Loans: A Flexible, Unsecured Alternative

Consider a business loan for increased flexibility, especially if the stringent requirements of a mortgage pose challenges. While repayments are typically higher, the shorter term can make this option more accessible, especially for non property-related projects.

Our specialists are here to guide you toward the most suitable solution.

Special Cases: Turning “Impossible” Into Reality

At Acorn.finance, we thrive on challenges. So some of our success stories include:

Explore possibilities beyond the conventional, and let us turn your unique case into a success story.

Join the league of business owners who’ve partnered with Acorn.finance for enduring financial success.

Business & Commercial Mortgage FAQs

What is a business mortgage?

A business mortgage, also known as a commercial mortgage, is a loan specifically designed for purchasing or refinancing commercial property for business purposes. It’s similar to a residential mortgage but tailored for commercial properties such as offices, retail spaces, industrial buildings, and warehouses.

What types of properties can be financed with a commercial mortgage?

Business mortgages can be used to finance various types of commercial properties, including office buildings, retail units, industrial warehouses, mixed-use developments, and investment properties. The eligibility criteria may vary depending on the lender and the type of property.

How do commercial mortgages differ from residential mortgages?

Business mortgages typically have different terms and conditions compared to residential mortgages. They often have higher interest rates, shorter loan terms, and stricter eligibility criteria. Additionally, commercial mortgages may require larger down payments and may not offer the same consumer protection regulations as residential mortgages.

What are the benefits of obtaining a mortgage for a business?

Business mortgages offer several benefits, including the ability to purchase or refinance commercial property for business use, potential tax advantages, fixed or variable interest rate options, and the opportunity to build equity in the property over time.

How much can I borrow with a business mortgage?

The amount you can borrow with a business mortgage depends on various factors, including the value of the property, your creditworthiness, your business’s financial health, and the lender’s criteria. Typically, lenders will finance a percentage of the property’s value, known as the loan-to-value (LTV) ratio.

What documentation is required to apply for a business mortgage?

The documentation required for a business mortgage application may vary depending on the lender and the complexity of the transaction. Common documents may include business accounts, property valuations, business plans, and personal financial information of the business owners.

Can I use a business mortgage to purchase an investment property?

Yes, business mortgages can be used to finance investment properties intended for rental income or capital appreciation. However, lenders may have specific requirements and eligibility criteria for investment property financing, including higher down payments and stricter underwriting standards.

What factors affect the commercial mortgage rates of interest?

Several factors can affect the interest rate on your commercial mortgage, including the commercial mortgage lender’s risk assessment, prevailing market conditions, the loan term, the borrower’s creditworthiness, the property’s location and condition, and the overall economic outlook.

Can I use a business mortgage to refinance existing debt or release equity from a property?

Yes, business mortgages can be used for refinancing existing debt secured by commercial property or to release equity from a property for business purposes. Refinancing can help businesses improve cash flow, reduce interest costs, or access capital for expansion or investment.

What are the repayment terms and options for business mortgages?

Repayment terms for business mortgages vary depending on the lender and the specific loan agreement. Common repayment options include fixed-rate or variable-rate loans, capital and interest repayment or interest-only payments. Lenders may offer flexibility in repayment terms to meet the needs of the borrower and the business. Most business mortgage lenders will lend to a maximum term of 25 years but this can reduce for some business sectors and if the term would take business owners beyond retirement age.

Business Mortgage Resources

– CEBR – Economic analysis and comprehensive reports.

– The Institute of Fiscal Studies (IFS): Produces detailed reports on the UK economy, taxation, and business finance, including implications for property investments.

– British Property Federation: Provides resources and advocacy for the UK real estate sector. They offer reports, policy updates, and best practices relevant to commercial property and financing.