We provide specialist mortgage advice for clients purchasing, refinancing or restructuring commercial property. Commercial mortgages cover a wide range of property types and lending structures and are assessed primarily on the strength of the property, income and borrower experience.

We work with a broad panel of UK commercial lenders to help identify suitable funding solutions for both owner-occupiers and investors.

All advice is provided subject to current lender criteria and individual circumstances.

Our Commercial Mortgage Services Include

  • Owner-Occupied Commercial Property

    Mortgage advice for businesses purchasing premises for their own use, such as offices, retail units, warehouses and industrial properties.

  • Commercial Investment Mortgages

    Funding solutions for investors purchasing or refinancing income-producing commercial properties, including single units or portfolios.

  • Limited Company & SPV Borrowing

    Advice for clients borrowing through Ltd Companies or SPVs, including newly formed entities, subject to lender acceptance.

  • Purchases, Remortgages & Capital Raising

    Support for acquisitions, refinances and capital restructuring, subject to valuation, affordability and lender underwriting.

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How Commercial Mortgages Are Assessed

Commercial mortgage applications are typically assessed on factors including, but not limited to:

Property type, location and condition

Rental income or trading accounts (where applicable)

Lease terms and tenant covenant strength

Borrower experience and management capability

Loan-to-value and overall risk profile

Lending decisions are based on a combination of property value, income sustainability and borrower circumstances.

Important Use, Lease & Valuation Disclaimer

Commercial properties must meet lender requirements regarding permitted use, lease structure and valuation. Lenders may apply different criteria depending on whether the property is owner-occupied or investment-led.

We do not provide legal, tax or accounting advice and recommend clients seek independent professional advice to confirm suitability and compliance before proceeding.

Why Use a Specialist Commercial Mortgage Broker

Commercial lending is typically more complex than residential or buy-to-let borrowing and often involves bespoke underwriting.

We offer access to specialist commercial and semi-commercial lenders, experience with a wide range of property types and structures, guidance throughout valuation and underwriting, and clear, structured advice from enquiry to completion.

Mortgage availability, rates and terms are subject to lender assessment and underwriting.

Who We Work With

We work with:

  • Business owners purchasing premises
  • Property investors and portfolio landlords
  • Limited company and SPV borrowers
  • Clients seeking to refinance or restructure existing commercial loans

Each application is assessed individually and not all applicants or properties will qualify.

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Regulatory & Advice Disclaimer

Your property may be repossessed if you do not keep up repayments on your mortgage.
Commercial mortgages are subject to lender criteria, valuation and underwriting.
Interest rates, terms and lending criteria may change without notice.

CONTACT US

We have so much more information that we would love to share with you so please get in touch

Lawson Financial Ltd is a broker and not a lender

Your home may be repossessed if you do not keep up repayments on your mortgage

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

Lawson Financial Ltd is a broker and not a lender

Your home may be repossessed if you do not keep up repayments on your mortgage

Lawson Financial Services will charge a fee for their services. Find out about our fees here.

Lawson Financial Ltd is directly authorised by the FCA

© 2026 Lawson Financial Limited | Customer Complaints Policy | Privacy Policy | AI Policy |

Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.

© 2026 Lawson Financial Limited | Customer Complaints Policy | Privacy Policy | AI Policy |

Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG  |  Registered Company Number: 09000180  |  Registered in England and Wales.