Tailored Finance For Commercial Property
From retail units and warehouses to mixed-use and office spaces, we arrange structured mortgage solutions for commercial property investors — with access to a wide range of lenders, terms, and funding strategies.
Market-leading interest rates
No loan size cap
Offshore, LLP, or trust ownership
Mid-refurb assets
Part-let or multi-tenanted buildings
Foreign nationals and non-residents
- Invest with intent.
Commercial investment mortgages provide funding for clients looking to purchase or refinance commercial or semi-commercial property. From high-street retail and industrial units to office space and mixed-use buildings — whether you’re a first-time landlord or experienced investor — we’ll structure the right deal with terms that align with your long-term goals.
How we can help:
- Long-term and short-term property investments
- Commercial or semi-commercial buildings
- Portfolio refinancing and capital raising
- Balance both worlds.
Semi-commercial mortgages offer finance for properties that blend commercial and residential elements — like shops with flats above, mixed-use buildings, or live/work units. We work with lenders who understand the nuances of these assets, ensuring your funding reflects both the income potential and long-term value.
How we can help:
- Mixed-use retail with residential units above
- Live/work or dual-purpose buildings
- Properties with short or long-term tenancies
- Restructure. Release. Reinvest.
Commercial remortgages can unlock better rates, release equity, or restructure existing debt for improved cash flow and long-term performance. We assess your current loan terms, property value, and market conditions to secure finance that aligns with your wider investment or business goals — whether you’re refinancing a single unit or an entire portfolio.
How we can help:
- Rate optimisation and lender switching
- Equity release for reinvestment
- Term restructuring or switch to interest-only
Tailored Lending Advice, Built Around You
We work with leading banks and private lenders to tailor finance solutions that align with your needs — not just your paperwork.
Why Clients Choose Key Capital
We work closely with clients to secure better terms, unlock opportunities, and deliver long-term financial confidence. Whether your situation is straightforward or more complex, our experience across residential, commercial, and specialist finance ensures you receive clarity, insight, and a smooth path to completion.
Tailored Advice, Not Templates
Bespoke lending strategies shaped around your goals and informed by market insight.
Market Insight & Negotiating Power
Direct access to decision-makers at 100+ lenders, from private banks to specialist funds.
Efficient Execution
We align lenders and legal teams to keep your transaction moving with clarity and confidence.
Long-Term Partnership
We act as a discreet, long-term advisor — from first acquisitions to complex portfolio strategies.
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Your Questions, Answered
From first-time investors to seasoned landlords, we know commercial mortgages can raise questions — especially with unusual properties or ownership structures. Below, we’ve answered the most common queries. Still unsure? We’re always happy to talk it through.
We arrange funding for a wide range of commercial and mixed-use assets — including retail units, offices, warehouses, care homes, medical clinics, and more. We also support specialist-use or non-standard buildings.
Yes. We regularly work with limited companies, SPVs, LLPs, and even offshore structures — and tailor funding around your ownership model.
This varies depending on the asset and lender, but typically ranges from 25% to 40%. In some cases, we can arrange up to 100% loan-to-cost with additional security.
Yes. We arrange commercial finance for international clients, including those without UK mortgage history or local income. Ownership via offshore entities is also supported.
