Commercial Property Finance

Commercial Property Finance | Independent Specialist Broker

From commercial mortgages and semi-commercial lending to development finance and refinancing, we find the right property finance solution across our full lender panel.

Explore your funding options

Overview

What is commercial property finance?

Commercial property finance covers a broad range of lending secured against business premises, investment properties, and development sites. The main categories include commercial mortgages for owner-occupiers or investors, semi-commercial mortgages for mixed-use properties, development finance for ground-up or conversion projects, and refinancing of existing property debt.

Commercial property lending is considerably more complex than residential finance. Lenders assess the property type, location, tenant covenant strength, lease terms, your business track record, and a range of other factors before making a credit decision. Rates, loan-to-value ratios, and terms vary widely across the market.

Pinnacle has access to the full range of commercial property lenders, including high street banks, challenger banks, specialist commercial mortgage lenders, and private credit providers, allowing us to identify the best available terms for your specific property and circumstances.

75%

typical LTV available on commercial property

50+

lenders across our property finance panel

Free

consultation, no obligation

How we help

Why use Pinnacle as your broker?

The commercial property lending market is far less transparent than the residential mortgage market. Many of the most competitive lenders do not advertise their rates publicly and deal exclusively through brokers. Approaching lenders directly often means dealing with a restricted panel and terms that do not reflect the best available.

Pinnacle prepares a comprehensive case on your behalf, selecting lenders whose criteria and current appetite match your transaction. We manage the application process, liaise with valuers and solicitors, and negotiate terms to ensure you reach completion efficiently.

For development finance, we also work with lenders who can provide staged drawdown facilities aligned to your build programme, including those who will fund 100 percent of build costs for experienced developers.

Full market access

We work with high street banks, challenger lenders, specialist commercial mortgage providers, and private credit funds.

Off-market lenders

Some of the most competitive commercial property lenders deal exclusively through brokers. We have direct relationships with them.

Complex cases welcome

Non-standard properties, mixed-use buildings, short lease terms, and complex ownership structures. We find lenders who will engage.

Development finance

Ground-up development, conversion, refurbishment, and permitted development. Staged drawdowns aligned to your build programme.

Refinancing

If your current commercial mortgage is up for renewal, we search the market to ensure you are on competitive terms before you renew.

Bridging to term

Where speed of completion is critical, we can arrange short-term bridging finance with a clear route to a term commercial mortgage.

Common questions

Frequently asked questions

What loan-to-value is available on commercial property?

Most commercial mortgage lenders offer LTVs of up to 70 to 75 percent, though some specialist lenders will go higher in the right circumstances. Development finance may be assessed differently, with lenders considering gross development value and loan to cost rather than LTV alone. Pinnacle will give you a realistic picture based on your specific property and situation.

How long does a commercial mortgage take to complete?

A straightforward commercial mortgage typically takes six to twelve weeks from application to completion, though complex transactions can take longer. Where speed is critical, bridging finance can be arranged more quickly while a term mortgage is being processed. We will give you a realistic timeline at the outset.

Can I get a commercial mortgage for a property I will occupy myself?

Yes. Owner-occupier commercial mortgages are available for businesses purchasing their own trading premises. Lenders will assess the strength of your business as well as the property itself. Some lenders are more comfortable with certain business types or property uses, and Pinnacle will identify the most appropriate options for your situation.

What is semi-commercial finance?

Semi-commercial or mixed-use mortgages cover properties that combine residential and commercial elements, such as a shop with a flat above. These require specialist lenders as standard commercial and residential criteria do not apply cleanly. Pinnacle has access to lenders who specifically focus on mixed-use property.

Can you help with development finance?

Yes. We work with development finance lenders who can fund ground-up residential and commercial development, conversion projects, and significant refurbishments. Lenders typically fund a percentage of land value plus 100 percent of build costs, with funds drawn down in stages as work progresses. We match developers to lenders based on track record, project type, and location.

More services

One conversation. The right funding.

We search the market, compare lenders, and secure the right deal on your behalf. No obligation, no cost to you.

Book your free consultation