Commercial Mortgages

Secure long-term funding for your commercial clients, with Crystal. Whether you have clients expanding, securing a new premises or needing additional funding to support business operations, we can help find a solution. Access flexible terms, competitive rates and expert support every step of the way!
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3-30 year terms
Up to 80% LTV
Competitive Commission
Commercial Calculator

Calculate monthly repayment for your clients

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Why Choose Our Commercial Mortgages?

All Property Types

From fully commercial to semi-commercial properties

Up to 80% LTV

Competitive loan-to-value ratio for all property types

No Max Lending Limit

Covering small to larger scale commercial investments

All Applicants Considered

From start-ups to blue chip companies

What Our Clients Say

"I highly recommend Crystal Specialist Finance, they were able to assist our business secure a commercial mortgage, despite challenging circumstances."

Sarah Roberts

"We had a very challenging case but Crystal went above and beyond to ensure an offer was issued. Will certainly be using Crystal again in the future."

Dan Bailey

Commercial Mortgage Scenarios

Commercial finance could help your clients in many circumstances. From commercial investments to owner occupied, commercial loans can be used to fund almost any business scenario.

See our commercial finance case studies here.

Commercial Investment

For your clients looking to buy or refinance a commercial property for rental use

Semi Commercial

Mixing commercial and residential properties can help your clients spread risk in their portfolio

Owner Occupied

For your clients looking to purchase a commercial property

Business Finance

Suitable for your clients wanting to capital raise for any legal purpose

Lending Criteria at a Glance

Loan Amount
From £30,000+

Flexible loan sizes for all property types

LTV
Up to 80%

Competitive loan-to-value ratios

Term
3-30 years

Flexible terms and repayment options

Property Types
All accepted

All types of commercial properties considered

Speed
Quick decisions

From application to completion

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

Become a Partner Call Our New Business Advisers - 01827 337710

Commercial mortgages FAQs

Commercial mortgages cover lending, used to support business activity, property ownership, or investment. That might involve buying premises, refinancing an existing commercial asset, raising capital, funding a mixed-use purchase, or supporting wider business growth. It is a broad area, which is why it often helps to start with understanding the client’s objective.

Commercial mortgages can be relevant for business owners, investors, landlords, developers, and companies looking to buy or refinance property or raise funds against existing assets. Some cases are owner-occupied, some are investment-led, and some sit somewhere in between. The right route depends on the borrower type, the property, the purpose of the loan, and how the case will be assessed by the lender.

Yes. Mixed-use and semi-commercial cases are a common part of the specialist finance market, but they are not always straightforward to place. The split between residential and commercial use, the tenant profile, the property layout, and the exit route can all influence lender appetite. That is why these cases usually benefit from being reviewed early and packaged with the right level of detail.

Commercial finance can be used for a wide range of purposes, from buying or refinancing owner-occupied premises to raising capital against an investment asset or funding business expansion. It can also sit alongside asset finance, invoice finance, or bridging where the client’s needs go beyond a standard commercial mortgage. In simple terms, if the purpose is linked to business use, commercial property, or business growth, it is worth exploring.

Yes. Many businesses use commercial mortgages to buy their own premises rather than continue renting, while others refinance an existing property to release capital back into the business. For the client, that can mean more control over the premises and a longer-term funding solution that fits their commercial plans. For the broker, the important part is understanding both the business story and the property security, because lenders will assess both.

Yes. Some cases are not purely property-led and need a broader commercial view. Asset finance can help businesses acquire equipment, machinery, or vehicles without paying the full cost upfront. Invoice finance can support cash flow where money is tied up in unpaid invoices. These options can sit alongside property finance or solve a separate funding issue altogether, depending on what the client is trying to achieve.