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Commercial Mortgage & Finance

commercial mortgages and finance

Tailored finance for ambitious property moves

We offer smart, strategic commercial mortgage solutions built around your business goals. Whether you’re purchasing your first premises, expanding your portfolio, or refinancing to release capital, we structure finance that works with your plans, not against them.

As an experienced commercial mortgage broker, we’ve helped clients secure funding for everything from office blocks and retail units to industrial estates and mixed-use developments. If you need finance for commercial property, you need more than a bank; you need a partner who understands the deal from every angle.


What is a commercial mortgage?

A commercial mortgage is a loan secured against property that is used for business purposes. This includes owner-occupied spaces as well as investment properties. Unlike residential mortgages, commercial property mortgage finance is assessed differently and requires a specialist approach.

Common uses include:

  • Purchasing premises for your own business
  • Acquiring investment property
  • Refinancing to secure better terms or release equity
  • Property development and conversions
  • Consolidating business debt
what is a commercial mortgage

How our process works

Initial consultation:

We get under the skin of your business and property goals to understand what’s really needed.

Indicative terms:

You’ll receive clear terms tailored to your circumstances, often within 48 hours.

Due diligence:

We handle valuations, legal reviews, and lender negotiations to keep the deal moving.

Completion:

Once approved, funds are released and your commercial mortgage is secured.

Whether you're buying a warehouse or remortgaging a portfolio of shops, we structure the deal to support your objectives, with clarity and speed.

As a trusted UK commercial finance specialist, we align your funding with the asset, the income, and the growth strategy.

Types of mainland UK securities allowed for commercial mortgages:

Warehouse

Land

B&Bs

Restaurants

Offices

Pubs

Shops

Industrial units

Care homes

Who can apply for a commercial mortgage?

Individuals

Sole Traders

LLPs

Partnerships

Limited Companies

Employed and self-employed applicants

Expats and non-UK residents

Pension funds

Charities and trusts

Key features of our commercial mortgages

  • Borrow from £250,000
  • Competitive rates with flexible terms
  • Owner-occupied or investment property
  • Fixed or variable interest options
  • Interest-only or capital repayment plans
  • Funding for both freehold and leasehold assets

Why work with Envelop Finance?

We’re not just another commercial finance broker. We work with a network of specialist commercial finance providers, high-street lenders, and niche private banks. We access the best of the UK commercial finance market, without the run-around.

  • Direct access to lenders and decision-makers
  • Advice from experienced commercial finance consultants
  • Fast turnaround and proactive communication
  • Solutions for both straightforward and complex cases

As a leading commercial finance company, we deliver deals that match real-world business needs, not tick-box lending.

Want to know more about commercial mortgages & finance?

Let’s get your project moving

If you’re seeking a commercial mortgage in the UK or exploring your options with a commercial finance consultant, our team is ready to help. We provide honest guidance, smart structuring, and quick action.

Get in touch today and unlock tailored financing for commercial property with Envelop Finance. 

Who we help

Business owners purchasing trading premises

Investors growing commercial property portfolios

Developers seeking financing for commercial property projects

Landlords refinancing to raise capital

Whether you're in the early planning stages or need urgent funding, we're here to make it happen.

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