Commercial property

Fund the premises your business runs from.

Purchase or refinance commercial property, for investment or owner-occupation. Suits a business buying its premises instead of leasing.

You don’t pay to compare.

No credit file impact · No cost to compare · No obligation

Commercial property at a glance

Loan purpose: Purchase or refinance
Property use: Owner-occupied or investment
Security: A first mortgage over the property
Assessment: Structures that account for irregular business cash flow
Timing: Varies by lender

Subject to lender assessment. Your options are typically ready within 24 hours of receiving your documents.

Is it right for you?

When commercial property finance fits, and when it doesn’t.

Often fits

Buying the premises your business operates from, instead of leasing indefinitely
Refinancing an existing commercial property loan where better terms are available
Owner-occupied or investment commercial property
Business cash flow that’s irregular, rather than a standard residential test

Usually not

Releasing equity without refinancing your first mortgage, where a second mortgage may fit
A home or residential investment property, where our Personal & Property team can help

Business funding, compared on real data, in three steps.

How It Works

Questions about commercial property.

Can I buy the premises my business runs from?

Yes. Commercial property finance can fund the premises your business operates from, instead of leasing indefinitely.

Does the property have to be owner-occupied?

No. Owner-occupied and investment commercial property are both in scope.

Can I refinance an existing commercial property loan?

Yes, where better terms are available, with structures that account for irregular business cash flow rather than a standard residential test.

Can I release equity without refinancing?

A second mortgage can do that. It sits behind your existing first mortgage, so your first mortgage and current lender stay as they are.

How do we get paid?

Comparing costs you nothing. Not comparing can cost you plenty.

The headline rate rarely tells the whole story. Fees, charges and loan terms can add far more to what you repay. That’s why your Compare Report shows every cost we can identify side by side.

In most cases, the lender pays us, and only if you decide to proceed with their product offer. For more complex deals, or where the lender pays us little or nothing, we may charge a fee for our service. It doesn’t happen often, but when it does, it’s shown on your Compare Report and we’ll walk you through it before you decide.

No obligation to proceed, ever.

How We’re Paid →

Guides

How to compare a business loanWhat to check beyond the rate, including the true APR.

Products

See your options, side by side.