Commercial Mortgages

Long-term funding secured against commercial property, for owner-occupiers and investors alike.

Commercial Mortgages

Long-term lending secured against commercial property

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.

We Structure

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.

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Whole-of-Market Benchmarking

Commercial pricing varies widely between lenders for identical cases.

Key person

Trading Figures Presented Well

Owner-occupier lending turns on how accounts are interpreted and framed.

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Tenancy Schedules Packaged

Investment lending priced accurately at first pass, not after queries.

Why Choose Us

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.

Timeline

SIPP and SSAS Purchases

Pension-fund acquisitions of commercial premises structured alongside lending.

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Mixed-Use and Semi-Commercial

Property types that fall between residential and commercial criteria.

Target

Terms From 5 to 25 Years

Structured around your business plan rather than a standard product.

Our Clients

Who Benefits from Commercial Mortgages

Owner-Occupier Businesses

Commercial Property Investors

Portfolio Landlords Refinancing

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Own Your Premises, Or Grow Your Portfolio

Long-term funding secured against commercial property, for owner-occupiers and investors alike.

Our Services

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.

News & Blogs

Latest Financial News & Blogs

FAQ

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.

For investment lending, rental cover. For owner-occupiers, business profitability and serviceability.

Yes. SIPP and SSAS purchases of commercial property are common and we can structure lending alongside.

On adjusted business profitability, typically EBITDA, tested against the loan repayment at a stressed rate.

Commonly 130-160% interest cover, depending on lease strength and tenant covenant.

Significantly. Short unexpired terms reduce leverage and narrow the lender group.

Yes. SIPP and SSAS purchases are common and lending can be arranged alongside.

On investment lending frequently, though most owner-occupier facilities amortise.

5 to 25 years, with rate fixes commonly available for 2, 5 or 10 years.