Commercial Mortgages
Commercial Mortgages
Tailored Finance for Businesses and Investors
Securing the right finance for your commercial property is crucial to your business or investment success. At Alphakey Mortgages, we specialise in finding commercial mortgage solutions tailored to your needs—whether you’re purchasing business premises, refinancing, or expanding your property portfolio.
As a whole-of-market mortgage broker, we search the entire UK lending market to connect you with competitive deals, including options from high-street banks, specialist lenders, and private finance providers. We guide you every step of the way, offering expert advice and introductions to trusted professionals to support your transaction.
Commercial Mortgage FAQs
What is a commercial mortgage?
A commercial mortgage is a loan secured against property that is used for business or investment purposes. It’s suitable for business premises or income-generating property like offices or retail units.
How much can I borrow with a commercial mortgage?
Loan amounts vary based on the property’s value, your business’s financials, and the lender’s criteria. Typically, lenders offer up to 70–75% loan-to-value (LTV).
Do I need a deposit for a commercial mortgage?
Yes. Most commercial mortgages require a deposit, often 25–40% of the property’s value, depending on the lender and the deal.
How are commercial mortgage rates set?
Rates are often based on a case-by-case basis and can depend on your credit profile, the property type, loan term, and your experience (if you’re a landlord or developer).
Can I get a commercial mortgage as a first-time investor?
Yes, some lenders will consider first-time commercial buyers or investors, especially if the business case is strong. We can help position your application to maximise approval chances.
Reasons to Use Us for Mortgage Advice
Whole-of-Market Access
We work with a broad range of commercial lenders to find a solution tailored to your business goals.
Clear, Personalised Advice
We take time to understand your business and investment needs—offering clear, actionable guidance throughout.
Finance for Various Properties
From offices and retail units to warehouses and mixed-use developments, we help fund diverse commercial property purchases.
Connected Services
Need a solicitor, surveyor, or tax adviser? We can connect you with trusted professionals to simplify your transaction.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Specialist Lending
We offer flexible lending solutions for unique situations
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Life Insurance
Protect your family’s future, no matter what.
Insurance & Protection
Personalised cover for life, income, health, home, and more.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.
Commercial Mortgages are not regulated by the Financial Conduct Authority.