Commercial Mortgages
Flexible financing for commercial properties. Office, retail, industrial, or mixed-use—we've got the right terms.
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Specialist Commercial Lending
Specialist Commercial Lending
Commercial mortgages are more than a loan-to-value calculation. They're about understanding cash flow, lease quality, location, and tenant strength. We work with lenders who get it.
Competitive rates, flexible terms, and speed. Whether you're acquiring, refinancing, or restructuring, we find the right commercial mortgage for your situation.
Property Types We Finance
Property Types We Finance
Office & Professional Services
Office & Professional Services
✔️ Grade A offices in prime locations
✔️ Mixed-use office + ground floor retail
Retail & Hospitality
Retail & Hospitality
✔️ High street and shopping centre units
✔️ Restaurants, bars, and hospitality venues
Industrial & Logistics
Industrial & Logistics
✔️ Warehousing and distribution centres
✔️ Light industrial and manufacturing spaces
Mixed-Use & Development
Mixed-Use & Development
✔️ Multi-use buildings with varied income streams
✔️ Properties with development potential
Typical Terms
Typical Terms
LOAN AMOUNT
£500k - £5m+
Scaled to property value and income
LOAN TERM
5-15 years
Amortisation matched to lease profile
LTV Range
65-75%
Based on valuation and cash flow
Note: Terms are primarily cash-flow driven. We assess rental income, lease covenants, and exit strategies to match you with the right lender.
Common Use Cases
Common Use Cases
Property Acquisition
Property Acquisition
Purchase investment-grade commercial property. Competitive rates for quality tenants and locations.
Refinancing
Refinancing
Restructure existing debt. Release equity for reinvestment, improve terms, or extend maturity.
Portfolio Consolidation
Portfolio Consolidation
Multiple properties, one facility. Simplify management and secure better terms through consolidation.
Tenant Issues
Tenant Issues
Space with difficult tenant covenants? We work with lenders understanding commercial property dynamics.
Real-World Example
Real-World Example
The Scenario: A London property investor acquires a Grade A office building in Canary Wharf (£8m acquisition price, £600k annual rental income from blue-chip tenants, 10-year leases).
The Problem: Their lender wanted 60% LTV. They wanted 70% to preserve capital for other acquisitions. Mainstream banks hesitated.
The Solution: BridgFunder London arranged 70% LTV (£5.6m) over 15 years with a specialist commercial lender. Rates competitive, flexibility built in for tenant changes.
Result: Capital preserved, portfolio diversification enabled, strong income stream locked in.
Ready to finance your commercial property?
Ready to finance your commercial property?
Let's discuss your acquisition or refinance and find the right commercial mortgage terms.
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