Commercial Mortgages
Long-term funding secured against commercial property, for owner-occupiers and investors alike.
Commercial mortgage pricing varies widely between lenders for identical cases. We benchmark across the market and present trading figures or tenancy schedules in the format underwriters expect.
Why Commercial Mortgages Requires the Right Lender
What we arrange
- Owner-occupier mortgages for trading premises
- Investment mortgages against tenanted commercial assets
- Mixed-use and semi-commercial lending
- Terms typically from 5 to 25 years
Who this is for
- Businesses buying their own premises rather than renting
- Investors acquiring offices, retail or industrial units
- Landlords refinancing a commercial portfolio
How London FS helps
Commercial mortgage pricing varies widely between lenders for identical cases. We benchmark across the market and present trading figures or tenancy schedules in the format underwriters expect.
Important information
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

Whole-of-Market Benchmarking
Commercial pricing varies widely between lenders for identical cases.

Trading Figures Presented Well
Owner-occupier lending turns on how accounts are interpreted and framed.

Tenancy Schedules Packaged
Investment lending priced accurately at first pass, not after queries.
Why Commercial Mortgages with London FS?
Commercial Mortgages requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
Commercial mortgage pricing varies widely between lenders for identical cases. We benchmark across the market and present trading figures or tenancy schedules in the format underwriters expect.

SIPP and SSAS Purchases
Pension-fund acquisitions of commercial premises structured alongside lending.

Mixed-Use and Semi-Commercial
Property types that fall between residential and commercial criteria.

Terms From 5 to 25 Years
Structured around your business plan rather than a standard product.
Who Benefits from Commercial Mortgages
Owner-Occupier Businesses
Commercial Property Investors
Portfolio Landlords Refinancing
I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.
What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.
If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!
I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.
What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.
Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing
Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required
Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.
Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.
Thanks Amar for great help!
Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.
What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.
Would highly recommend LFS to anyone. Thank you to the entire team.
I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!
Own Your Premises, Or Grow Your Portfolio
Long-term funding secured against commercial property, for owner-occupiers and investors alike.
Related Commercial Finance Services
Our Commercial Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.
Latest Financial News & Blogs
Useful Financial Tools & Calculator
Frequently Asked Questions on Commercial Mortgages
What deposit is required?
Typically 25–35% for investment purchases, sometimes less for owner-occupiers with strong trading accounts.
Is affordability based on rent or profit?
For investment lending, rental cover. For owner-occupiers, business profitability and serviceability.
Can a pension fund purchase premises?
Yes. SIPP and SSAS purchases of commercial property are common and we can structure lending alongside.
How is affordability assessed for owner-occupiers?
On adjusted business profitability, typically EBITDA, tested against the loan repayment at a stressed rate.
What rental cover is needed on investment lending?
Commonly 130-160% interest cover, depending on lease strength and tenant covenant.
Does lease length matter?
Significantly. Short unexpired terms reduce leverage and narrow the lender group.
Can a pension fund buy the premises?
Yes. SIPP and SSAS purchases are common and lending can be arranged alongside.
Are interest only commercial mortgages available?
On investment lending frequently, though most owner-occupier facilities amortise.
What term is typical?
5 to 25 years, with rate fixes commonly available for 2, 5 or 10 years.
More Specialist Finance Services
Every facility we arrange within Specialist Finance.
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