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.

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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: