Tailored Finance for Business Premises
Commercial Mortgages
Tailored commercial mortgages for business owners and property developers. Whether you are purchasing your first trading premises or refinancing an established asset, we secure the capital you need to fuel your professional ambitions.
Taking Control of Your Commercial Footprint
The commercial real estate market is undergoing a massive transition. While traditional high-street retail adapts to changing consumer habits, sectors like industrial warehousing, logistics, and multi-use office spaces are seeing sustained demand. For business owners, paying perpetual rent to a commercial landlord often means watching capital drain away without building any long-term equity.
A commercial mortgage allows you to take control of your premises, fixing your overheads and allowing your business to benefit from long-term capital appreciation. For investors, commercial property offers higher yields and longer, more robust leases than the residential sector. However, commercial finance is not ‘off-the-shelf.’ Lenders evaluate the strength of your business, the specific sector, and the tenant’s covenant.
At Aegis Finance, we provide guidance through the complexities of the commercial mortgage market, offering bespoke funding strategies for both owner occupiers and investors.
Owner-Occupier vs. Commercial Investment: Which Mortgage Do You Need?
Commercial mortgages serve a wide range of business and investment needs across every sector.
Secure your own trading premises to eliminate rent and build long-term business equity.
Purchase offices, retail units, or industrial space specifically to generate long-term rental yields.
Finance properties combining retail or office ground floors with residential living space above.
Consolidate multiple commercial assets into a single loan to improve cash flow and rates.
Utilise your pension to tax-efficiently purchase commercial property for your own business.
Long-term funding for properties being converted from one commercial class to another.
Seamlessly transition from a short-term bridge to a long-term commercial mortgage after renovations.
Specialist lending for medical, dental, veterinary, or legal firms purchasing their own surgeries or offices.
Finance for distribution hubs, workshops, and storage units to support logistics and manufacturing growth.
Creative lending solutions for businesses with irregular trading history or past credit challenges.
Commercial Mortgage Terms
Our commercial mortgage solutions are tailored to your needs. These are typical terms available through our lender panel - actual terms depend on your specific circumstances.
Typical Terms
At a Glance- Loan Amount
- £50,000 - £25m+
- LTV
- Up to 75%
- Term
- 3 - 25 years
- Interest Rates
- From 5.5% pa
- Arrangement Fee
- 1% - 2%
- Completion Time
- 4 - 12 weeks
Why Partner With Us
Specialist knowledge, lender relationships, and a commitment to structuring the right deal for your business.
Beyond the High Street
We access specialist commercial banks and private funds that traditional lenders often overlook.
Asset-Backed Flexibility
We focus on the property’s potential and your business’s future, not just past accounts.
VAT & Tax Coordination
We help structure loans to cover VAT on purchase, preserving your vital working capital.
Sector-Specific Expertise
From healthcare to hospitality, we match you with lenders who understand your industry’s nuances.
Strategic Debt Structuring
We negotiate interest-only periods or tiered repayments to align with your business growth plans.
Pension Fund Integration
Experts at facilitating property purchases through SIPP and SSAS pension schemes for tax efficiency.
Frequently Asked Questions
Find answers to common questions about our services.
Ready to Discuss Your Finance Needs?
Whether you need bridging finance for a quick purchase, development funding for your next project, or business finance to fuel growth, we're here to help.
No obligation consultation. Whole of market access. Expert guidance.