Commercial mortgage for commercial properties, property investment businesses and property developers

We have access to a wide range of solutions for commercial mortgage and can help you secure a mortgage even if you have specific or niche requirements.

Lenders we work with can provide finance for the following:

  • Trading businesses (leisure, retail and industrial)
  • Semi-commercial (such as a shop with a flat above)
  • Mixed portfolio
  • Standard commercial property
  • Single residential property
  • Multiple units on one title
  • HMO/student lets – investment valuation/brick and mortar valuation
  • Portfolio finance
  • Blocks of flats/student apartment blocks
  • Property development projects – any number of units
  • Land acquisition
  • Construction finance

Is it possible to secure a commercial mortgage to help a business expand?

We helped a pair of music producers who wanted to expand their business by purchasing their own recording studio.

Our specialist commercial lending team was able to secure a commercial mortgage with:

  • No arrangement fee
  • No Early Repayment Charge (ERC)
  • 77% Loan to value
  • A cross-charge over properties
  • Minimal deposit, strong accounts
  • Deposit from a Trust
  • A high street lender

Currently renting studio time, they felt in order to achieve their business growth targets, they needed their own premises with unrestricted access, and in fact with a possibility to earn their own rental income.

To make this dream a reality, our specialist lending team used two commercial businesses for affordability, help set up a new Special Purpose Vehicle (SPV) for the expansion plans. Took a cross charge over the premises and one of the Director’s main residence, due to the security needed.

 BalanceRateTerm
New mortgage£677,8404.42%18 Years (to age 75)

Initial no obligation advice on commercial mortgage

6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Not every case is the same

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Access To Exclusive Rates

The relationship we have with our lenders means we have access to products and deals that simply aren’t available to customers going direct. This is true particularly for those in adverse credit situations.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

Excellent Reviews

We’re proud of our long-standing 5 Star Rating on Trust Pilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.

Why use a mortgage broker for a commercial mortgage?

Mortgage brokers can help you find the best deals on the market – not just from one lender. With a broker you’ll get:

  • Valuable knowledge, through years of experience helping customers to find mortgages
  • An improved chance at finding a mortgage, some mortgages are only available through a broker
  • Help with the application process, as usually just one application can be used across various lenders
  • Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage
About Clever Mortgages

We specialise in assessing an individual’s situation, and finding a best-fit mortgage solution for them. We can help:

  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts over all of these areas
  • Even if you’ve got bad credit – we help people every day with less than perfect credit histories to find the right mortgage
  • With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance
  • Whatever your lending requirements. No matter what your circumstances are, we have access to a range of lending solutions, including secured and bridging loans

Our team know the lenders that are most likely to say ‘yes’, and to give access to the best rates.

What should I do next?

You enquire online with us today or give us a call
Our simple form takes a couple of minutes to fill in, this gets the ball rolling

One of our experts will give you a call to find out more about your situation
We have experts in remortgaging, who focus solely on helping customers save money

We do all the hard work for you
We search the market for the trusted lender that’s right for you

Our expert will get back in touch
We can guide you every step of the way, and we’ll always keep you up-to-date with progress

Speak to a broker

Alison Tetlow

Alison is a specialist mortgage broker who has been working for Clever Mortgages for 7 years helping customers with bad credit and has over 25 years experience within the mortgage and housing market.

Call us on: 0800 197 0504

Below are some of the lenders we work with