Commercial Mortgages in Bexley

🏢 Commercial Mortgages in Bexley

Funding Solutions for Commercial Property Buyers in Bexley

Whether you’re buying a unit for your own business, expanding your portfolio, or refinancing an existing loan — commercial mortgages offer flexible ways to finance commercial premises. We help clients in Bexley explore competitive finance options tailored to their needs.

From retail shops and offices to warehouses and mixed-use buildings, we support a wide range of commercial mortgage enquiries.

🏦 What Is a Commercial Mortgage?

A commercial mortgage is a loan secured against non-residential or mixed-use property. Unlike standard mortgages, these are often assessed on the strength of the business, lease agreements, or projected rental income — not just personal affordability.

Lenders typically offer terms of 5 to 25 years, with variable or fixed interest rates depending on the lender and product type.

🏢 Types of Properties We Can Help With

• Retail units (with or without flats above)
• Office buildings and serviced spaces
• Industrial units and warehouses
• Mixed-use premises
• Commercial developments and land

Whether you’re an owner-occupier or investor, we can help you explore relevant products and lender criteria.

💷 Deposit & Loan-to-Value

Most commercial mortgage lenders require a deposit of 25%–40%, though this can vary depending on your experience, income, and the type of property. Interest rates and terms are influenced by loan-to-value (LTV), business trading history, and asset class.

📈 How Are Commercial Mortgages Assessed?

For investment property, lenders focus on rental income and lease agreements. For owner-occupied purchases, the financial strength of your business will be key. Expect to provide:

• Company accounts or SA302s
• Business bank statements
• Lease details or tenant info (if applicable)
• Property valuation and usage plans

🗺️ Local Support in Bexley

We work with clients across Bexley, Sidcup, and surrounding areas. Whether you’re acquiring your first business premises or refinancing a mixed-use portfolio, we’ll help guide you through lender expectations and required documentation.

✅ What We Offer

We do not offer regulated advice ourselves but treat your enquiry with professionalism and care. When needed, we’ll connect you with a commercial mortgage specialist to provide tailored support and ensure your deal moves forward smoothly.

📞 Start Your Commercial Mortgage Enquiry

Use our mortgage calculator to get an early idea of borrowing or get in touch to begin your commercial mortgage enquiry in Bexley today.

💬 Frequently Asked Questions (FAQ)

What deposit do I need for a commercial mortgage?

Most lenders require 25–40% deposit, though this can vary depending on the property and borrower profile.

Can I get a commercial mortgage as a new business?

It’s possible, but lenders may ask for strong projections, a business plan, or additional security if you lack trading history.

Can I use a commercial mortgage to buy a mixed-use building?

Yes — mixed-use premises (e.g. shop with flats above) are commonly funded through commercial lenders.

How long does a commercial mortgage take to arrange?

Typically 6 to 12 weeks, depending on valuation, legals, and the complexity of the deal.