Independent & personal service
98% SUCCESS rate
Access to 1,000+ MORTGAGES
5 star reviews
  • Independent & personal service
  • 98% SUCCESS rate
  • Access to 1,000+ MORTGAGES
  • 5 star reviews

Owner-Occupier Commercial Mortgages

Having the right home for your business is vital

We enable your business to buy the premises it requires to operate successfully through our owner-occupier mortgages.

Each lender assesses a business's performance differently, and by understanding your business and what your accountant has cleverly done, we can evidence what your true Net Profit is (EBITDAR). This enables us to research the whole lending market to ensure the right lender is found, to accommodate the mortgage that is required for your ambitions. That may be:
  • Purchasing a new commercial building to operate within
  • Expanding the current company space you have
  • Building your own bespoke site to meet your businesses needs
  • Acquiring existing business premises to add to your business

Your current business’s bank can offer you one option, we have access to 100’s of lenders all with different criteria and appetites, giving you all options across the market.

As part of our service, we keep progressing your transaction, liaising with the surveyor, your solicitor, and, of course, the lender to ensure you can concentrate on running the business. Our clients have found this additional service so essential to ensure communication is kept and deadlines are met.



We’ll support you with round-the-clock service, right through to completion.

Examples of clients we’ve helped:

Property developer – we used the value in their main residence to raise funds to buy a run-down property that they will redevelop. Although there were some historic credit issues we were able to arrange a facility that the developer could use repeatedly to acquire further land property for development.

Landlord – new regulations regarding minimum room size for HMOs (House of Multiple Occupation) meant that new purchase for our client would need extending before being suitable for letting. We arranged funding to acquire the 3-bed semi, and then fund 100% of the refurbishment to a 5 bed HMO.

Auction finance – dilapidated and run-down properties that you would not be able to secure a traditional mortgage on are the norm at auctions – we’ve helped investors buy properties without kitchens & bathrooms, even without a roof! Most auctions also require you to complete within 28 days of the hammer falling – we’ve worked with many investors to ensure they meet this timeframe. It’s always best to talk through your options with us beforehand, and we can ensure the speediest and most cost-effective solution, enabling you to bid with confidence and move quickly when an opportunity arises

A family secure their dream property – the current house sale was dragging and they were going to lose their purchase – we were able to help them with a bridge and then move them onto a long-term mortgage at a great rate.

You may have heard that bridging finance is ‘expensive’ and yes, it is when compared to a traditional mortgage, but it a fantastic tool to drive property acquisitions and refurbishments when used correctly. Those clients who use it for the first time and are initially apprehensive, more often than not then use bridging again and again.

At The Commercial Branch we’re experienced at helping you secure all types of bridging finance – get in contact today for a free initial chat to see if we can help.

Latest Mortage Deals

We’ve picked out some of today’s best mortgage rates to give you an idea which lenders and interest rates could be available to you.

Mortgage Calculator

How much can I borrow?

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You could borrow up to:

Loan to value (LTV):

Including your deposit, you could afford a house price up to:

To discuss your options, call us today on 01242 696235 or

Request a call back

When you put down roots,
so do we.

Working with our long-standing charity partner, Gloucestershire Wildlife Trust, we pledge to plant a tree in your name when your mortgage completes.


Trees planted

in the last 12 months


To discover your options, call us today on 01242 696 235 or email

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