Looking for a commercial mortgage to grow your business or expand your property portfolio? At Orchard Mortgage Solutions, we specialise in finding tailored commercial mortgage solutions that meet your specific needs — whether you’re buying your first business premises or adding to an existing portfolio.
Commercial
Mortgage
What Is a Commercial Mortgage?
A commercial mortgage is a loan secured against a property that is used for business purposes.
Unlike residential mortgages, commercial mortgages are designed for:
- Business owners purchasing premises
- Investors buying commercial property to rent out
- Companies refinancing existing loans
Whether you’re a sole trader, limited company, or partnership, we can help you navigate the process with confidence.
Types of Commercial Property We Can Help With
We arrange commercial mortgage finance for a wide range of properties, including:
- Offices – From small serviced spaces to large corporate headquarters
- Retail Units – High-street shops, showrooms, convenience stores, and more
- Industrial Units – Warehouses, storage facilities, and logistics centres
- Hospitality Venues – Hotels, B&Bs, pubs, restaurants, and cafes
- Care Facilities – Care homes, nurseries, and supported living accommodation
- Mixed-Use Buildings – Properties that combine residential and commercial use
- Leisure and Fitness Spaces – Gyms, sports centres, salons, and spas
No matter what type of property you’re looking to finance, we’ll source a deal that works for you.
Who Are Commercial Mortgages For?
We work with a wide range of lenders — including high street banks, specialist commercial lenders, and challenger banks — to offer you flexible and competitive funding. Our commercial mortgage advice is ideal for:
Key Features of a Commercial Mortgage
Rates and terms will depend on the type of property, your credit history, and the strength of your business or investment case.
Why Choose Orchard Mortgage Solutions?
At Orchard Mortgage Solutions, we don’t just match you to a lender — we offer expert guidance every step of the way.
Our service includes:
- Tailored advice based on your business goals
- Access to specialist lenders with competitive deals
- Help with paperwork and documentation to speed up approval
- Support with valuations, legal requirements, and exit strategies
- Transparent communication so you stay informed throughout
Whether you’re a seasoned investor or applying for your first commercial mortgage, we make the process simple and stress-free.
Long-Term Benefits of a Commercial Mortgage
- Equity growth: Build equity in your business rather than paying rent
- Stability: Fixed monthly payments help with cash flow planning
- Tax advantages: Interest payments may be tax-deductible
- Customisation: Modify or renovate your own property as needed
- Asset ownership: Create long-term financial security for your business
How to Get Started
Getting a commercial mortgage can be complex
— but that’s where we come in. Here’s how we help:
Frequently asked questions
Can I get a commercial mortgage as a start-up?
Yes — we work with lenders who accept applications from new businesses, especially if you have a solid business plan.
How much deposit do I need?
Typically, lenders require 25–40% of the property’s value. However, this varies based on risk and the property type.
Can I get a commercial mortgage with bad credit?
In many cases, yes. Specialist lenders may still consider your application, though rates and terms may differ.
Do I need a trading history?
Not always. Lenders will review your full financial picture, including projected income, if you’re starting fresh.
Contact Orchard Mortgage Solutions Today
Whether you’re a growing business, property investor, or first-time buyer of commercial premises, we’re here to help. Our expert mortgage brokers will guide you through every stage of the process — from first enquiry to successful funding.
Call Us On 01257 543013Use Our Contact Form
DO YOU HAVE THE RIGHT INSURANCE COVER?
Quality insurance is important for anyone with a home of their own, or who is currently in the process of buying one. At Orchard Mortgage Solutions, we’ll help you secure the best insurance for you and your home.
