How do I get a commercial mortgage?

Prepare your accounts or rent roll, the property details and a clear business case, then approach a lender likely to fit the deal — usually through a broker — who takes you from agreement in principle through valuation, underwriting and completion.

What do lenders want to see?

That the loan is affordable and the property is sound. For an owner-occupier that means the trading business; for an investment, the rental income and tenants.

How long does it take?

Longer than a bridge, because there is more to underwrite. A well-prepared, well-matched application is the best way to keep it moving. A broker will give you a realistic timeline.

You are not obliged to use one, but commercial lending is less standardised than residential. A specialist broker knowing which lenders fit your deal can save time and avoid declines.

Can I get one through a limited company?

Yes. Borrowing through a company is common for commercial and investment property; the lender assesses the company and usually the directors behind it.

Is a commercial mortgage regulated?

Commercial mortgages on business and investment property are typically unregulated. Housn Capital is not FCA regulated and does not lend or advise — we introduce you to a specialist commercial finance broker.

Guide · Commercial

How to get a commercial mortgage

From first enquiry to completion, here is what getting a commercial mortgage actually involves — and how to give yourself the best shot.

Updated July 2026 · 6 min read · By Housn Capital

What to prepare

A commercial mortgage application rests on how well you can show that the loan is affordable and the property is sound. Getting your paperwork straight before you approach a lender saves weeks.

Accounts and figures

For an owner-occupier, business accounts and projections. For an investment, the rent roll and tenancy details.

The property

What it is, its condition, its value, and how easily it could be re-let or sold.

The business case

Why you are buying, how the loan is repaid, and your experience with similar property.

The structure

Whether you are borrowing personally or through a limited company, and who stands behind it.

The steps

Talk it through
A broker looks at the deal and identifies lenders likely to be comfortable with it before any application goes in.
Agreement in principle
A lender indicates it is willing to lend, subject to valuation and checks.
Valuation
A professional values the property and assesses its suitability as security.
Underwriting
The lender works through the accounts, the income and the property in detail.
Offer and completion
Terms are formally offered, solicitors handle the legal work and the , and the loan completes.

Giving yourself the best shot

Commercial lending is far less standardised than residential — criteria vary widely between lenders, and a deal one turns down another will welcome. That is why going to the right lender first matters so much. A weak or scattergun approach wastes time and can leave a trail of declines. A well-matched, well-presented application is the single biggest thing in your favour.

Start with the right lender

The difference between a smooth commercial mortgage and a frustrating one is usually the match. Housn Capital introduces you to a specialist broker who knows the market and can take your deal to lenders likely to say yes. Tell us about the property to get matched.

Frequently asked questions

Prepare your accounts or rent roll, the property details and a clear business case, then approach a lender likely to fit the deal — usually through a broker — who takes you from agreement in principle through valuation, underwriting and completion.

Next step

Thinking about commercial for a project?

Tell us a little about your deal and we’ll introduce you to a specialist broker who can talk through the options.

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Housn Capital Limited. Not FCA regulated. B2B non-regulated lending only. Company No. 16418877. General information, not financial advice.