Commercial Mortgages UK – Business & Investment Property Finance
Secure funding to buy, refinance, or develop commercial property—with flexible solutions from trusted UK lenders.
Whether you’re purchasing a new premises, growing a property portfolio, or refinancing an existing asset, Go-Factor connects you to competitive commercial mortgage options through our panel of specialist lenders and brokers.
We don’t offer one-size-fits-all loans — instead, we’ll match you with the right funding partner who understands your business, property goals, and timelines.
Our Range of Mortgages
A commercial mortgage is a loan secured against property used for business or investment purposes. It’s a flexible way to:
- Purchase new commercial premises
- Buy or remortgage investment property
- Raise capital from existing property equity
- Finance mixed-use or semi-commercial buildings
- Support business growth, acquisitions, or restructuring
- Fund commercial real estate development
Compared to residential mortgages, commercial mortgages are tailored to your business profile and can offer higher loan amounts and more complex funding options.
What Types of Commercial Properties Can Be Funded?
We work with brokers and lenders who fund a wide range of property types, including:
- Retail shops and offices
- Warehouses and industrial units
- HMOs (Houses in Multiple Occupation)
- Hotels, restaurants, pubs, and licensed venues
- Care homes and healthcare buildings
- Agricultural buildings and land
- Mixed-use properties and development sites
Auction purchases and short-term bridging needs
What Security Is Required?
Commercial mortgages are usually secured against the property itself, though additional security — such as personal guarantees, debentures, or cross-charges — may be required depending on:
- The loan amount
- Your business financials
- Credit history
- Experience with property or trading
Our lending partners will explain all terms clearly before you commit.
Who Are These Mortgages For?
We support applications for:
- Owner-occupiers – Buying premises for your own business use
- Investors – Purchasing or remortgaging commercial or residential rental property
- Limited companies, partnerships, sole traders, SPVs, and developers
- Charities – We can help you refinance or expand your property portfolio with competitive mortgage options
Whether you’re acquiring your first unit or managing a large property portfolio, we’ll find a finance partner who fits your strategy.
Key Mortgage Features
- Loans from £50,000 to £10 million+
- Up to 80% LTV (or 100% with extra security)
- Repayment or interest-only options
- Fixed or variable interest rates
- Short-term or long-term terms (typically 3–25 years)
- Access to bridging loans, VAT loans, and development finance
Why Use Go-Factor?
We’re an independent commercial finance brokerage, working closely with a trusted network of FCA-authorised mortgage brokers and lenders. Our role is to:
- Compare the market and secure competitive mortgage terms
- Match you with lenders that understand your sector
- Provide expert support from enquiry to completion
- Offer access to specialist, flexible, and fast-moving finance partners
We make it simple to explore your funding options—with no pressure, and no upfront fees.
Get a Free, No-Obligation Quote
Whether you're expanding, refinancing, or investing—let us introduce you to the right lender for your next property move.