Commercial Property Finance

Tailored to Your Needs

From mainstream to niche lenders, we leverage full market access to deliver smarter commercial finance solutions.

Commercial mortgages can be used to finance the purchase, refinance, or capital raise against a wide range of business and investment properties. At Key Capital, we combine market insight with deep lender relationships to deliver solutions that align with your commercial goals.

As independent advisers, we have access to high-street banks, private lenders, and specialist institutions — allowing us to structure deals that wouldn’t be available directly.

When assessing commercial mortgage proposals, lenders typically evaluate:

  • Location and use of the property

  • Physical condition and asset type

  • Tenant strength, lease terms, and income profile

  • Experience and creditworthiness of the borrower

Whether you’re refinancing an office building, buying a retail unit, or funding a mixed-use scheme, we can help you secure the right commercial finance — with confidence and clarity.

CRITERIA HIGHLIGHTS

  • Market-leading rates

  • Interest-only options

  • Lending in England, Wales, and Northern Ireland

  • Up to 100% LTV (with additional security)

  • Fixed and variable rate options

  • Loans from £500,000, with no maximum cap

  • Solutions available for complex income or adverse credit



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AREAS WE CAN HELP

  • Retail units, multiple units, and industrial premises

  • Warehouses and office buildings

  • Hotels, guest houses, and serviced apartments

  • Mixed-use and single freehold investment properties

  • Care homes and nursing facilities

  • Restaurants, bars, and public houses

 

Frequently Asked Question

We are happy to answer your queries on the phone or in person but here are answers to some of the most frequently asked questions we receive on commercial mortgages.

What types of commercial properties can be financed?

We arrange finance for a wide range of commercial properties including offices, warehouses, retail units, care homes, mixed-use assets, and more. If it generates income or serves your business, we can help finance it.

What is the minimum and maximum loan size you arrange?

We typically assist with loans starting from £500,000, with no upper cap. For the right project and profile, multi-million-pound funding is achievable.

How much deposit or equity do I need?

Most lenders require between 25% and 40% deposit, but this varies depending on the asset type, borrower profile, and strength of tenancy. Higher leverage may be available with additional security.

How long does it take to secure commercial finance?

A straightforward case may complete within 6–8 weeks, but timescales depend on complexity, valuation, and legal processes. We help manage everything to avoid delays.

Can I use a commercial mortgage to refinance an existing property?

Yes, commercial mortgages can be used for refinancing, releasing equity, or improving terms.

Do I need a tenant in place to get a commercial mortgage?

Not always. Some lenders will lend on vacant units if you have a strong proposal or clear plan for occupancy.