Commercial Mortgages
Long-term finance for commercial property. Offices, retail, industrial, healthcare, and hospitality. Owner-occupied or investment, with terms from 3 to 25 years.
Finance that works as hard as your business
Whether you are purchasing premises for your own business or investing in commercial property for rental income, securing the right mortgage is critical. Commercial mortgages differ significantly from residential lending, with lenders placing greater emphasis on the property itself, the tenant covenant, and your business performance.
Doulton Bridging Finance navigates this specialist market on your behalf. We work with commercial lenders across our panel of 130+ to find competitive rates and flexible terms that suit your property type and business objectives, from high street retail units to large industrial facilities.
Commercial lending expertise you can rely on
All Commercial Property Types
Offices, retail units, industrial warehouses, healthcare facilities, hospitality venues, and more. We finance the full spectrum of commercial real estate.
Owner-Occupied Finance
Buying premises for your own business? We source mortgages designed for owner-occupiers, with terms and structures that align with your business cash flow.
Investment Mortgages
For commercial landlords and investors, we find competitive rates based on rental income, tenant covenant strength, and lease length to maximise your returns.
Flexible Term Lengths
Commercial mortgage terms from 3 to 25 years, with fixed, variable, and hybrid rate options. We match the term structure to your business plan and exit strategy.
Up to 75% LTV
Leverage up to 75% of the property value for standard commercial properties. Higher leverage may be available for strong covenants and prime locations.
Complex Income Accepted
Self-employed, multiple income streams, or company structures - we work with lenders who look beyond simple payslips to assess your true borrowing capacity.
How it works
Initial Discussion
Tell us about the property, your business, and your objectives. We provide initial rate guidance and outline the most suitable lending options.
Lender Selection
We present your case to the lenders best suited to your property type and circumstances, ensuring you see the most competitive terms available.
Valuation and Underwriting
A commercial valuation is instructed while the lender completes their underwriting. We manage both processes in parallel to minimise delays.
Completion
Once the offer is issued, we coordinate with your solicitor and the lender to complete the transaction efficiently and on schedule.
Secure the right commercial mortgage
Our commercial lending team is ready to find the best terms for your property. Get an initial rate indication within hours.