Mortgages

Commercial Mortgages

Long-term finance for commercial property. Offices, retail, industrial, healthcare, and hospitality. Owner-occupied or investment, with terms from 3 to 25 years.

Commercial Property

Finance that works as hard as your business

Whether you are purchasing premises for your own business or investing in commercial property for rental income, securing the right mortgage is critical. Commercial mortgages differ significantly from residential lending, with lenders placing greater emphasis on the property itself, the tenant covenant, and your business performance.

Doulton Bridging Finance navigates this specialist market on your behalf. We work with commercial lenders across our panel of 130+ to find competitive rates and flexible terms that suit your property type and business objectives, from high street retail units to large industrial facilities.

75%

LTV Available

3-25yr

Term Range

130+

Specialist Lenders

All

Sectors Covered

Why Doulton

Commercial lending expertise you can rely on

All Commercial Property Types

Offices, retail units, industrial warehouses, healthcare facilities, hospitality venues, and more. We finance the full spectrum of commercial real estate.

Owner-Occupied Finance

Buying premises for your own business? We source mortgages designed for owner-occupiers, with terms and structures that align with your business cash flow.

Investment Mortgages

For commercial landlords and investors, we find competitive rates based on rental income, tenant covenant strength, and lease length to maximise your returns.

Flexible Term Lengths

Commercial mortgage terms from 3 to 25 years, with fixed, variable, and hybrid rate options. We match the term structure to your business plan and exit strategy.

Up to 75% LTV

Leverage up to 75% of the property value for standard commercial properties. Higher leverage may be available for strong covenants and prime locations.

Complex Income Accepted

Self-employed, multiple income streams, or company structures - we work with lenders who look beyond simple payslips to assess your true borrowing capacity.

The Process

How it works

Initial Discussion

Tell us about the property, your business, and your objectives. We provide initial rate guidance and outline the most suitable lending options.

Lender Selection

We present your case to the lenders best suited to your property type and circumstances, ensuring you see the most competitive terms available.

Valuation and Underwriting

A commercial valuation is instructed while the lender completes their underwriting. We manage both processes in parallel to minimise delays.

Completion

Once the offer is issued, we coordinate with your solicitor and the lender to complete the transaction efficiently and on schedule.

Secure the right commercial mortgage

Our commercial lending team is ready to find the best terms for your property. Get an initial rate indication within hours.

Get a Quote Discuss Your Requirements

FAQs

Frequently asked questions

What types of UK mortgage can Doulton arrange?

Residential, buy-to-let, portfolio, limited-company BTL, HMO, commercial, semi-commercial, high-value, private bank, expat, interest-only, second-charge and specialist adverse-credit mortgages. We work across the whole of market.

How much can I borrow?

Residential borrowing is typically 4-5.5x income depending on the lender and profile. Buy-to-let lending is sized on rental income against stress-tested interest cover ratios. High-value lending and private bank cases are assessed holistically on wealth and serviceability.

What is the minimum deposit?

Residential mortgages typically need 5-15% deposit. Buy-to-let usually requires 20-25%. Specialist, high-value and expat ranges often require 25-40%. Larger deposits unlock better rates across every product.

Can I get a mortgage with complex income or adverse credit?

Yes. Self-employed, contractor, commission-based, bonus-reliant and multi-currency incomes all have specialist lender homes. Borrowers with recent defaults, CCJs, DMPs or historic bankruptcy can also be placed, with pricing reflecting the risk profile.

How long does a mortgage application take?

Straightforward residential applications reach offer in 2-4 weeks. Specialist, high-value and expat cases typically take 4-8 weeks. Conveyancing and exchange after that is driven by your solicitor's speed.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.