Commercial mortgages and business finance
Finance for owner-occupied premises, commercial investments, mixed-use property, semi-commercial, and development projects — arranged through specialist lenders.
- Whole-of-market access
- Specialist mortgage advisers
- Thousands of products available
Commercial lending is largely relationship-led and manually underwritten. That's where a broker earns their keep: we know which lenders are actively lending against which asset classes, and at what LTVs.
We arrange finance for trading businesses buying their own premises, investors acquiring commercial or semi-commercial property, and developers funding refurbishment or ground-up schemes.
Facilities we arrange
- Owner-occupied commercial mortgages
- Commercial investment mortgages
- Semi-commercial (mixed-use) mortgages
- Bridging finance
- Development finance
- Portfolio refinancing
Typical terms
Commercial mortgages typically go up to 70–75% LTV for investment and 75–80% for owner-occupied. Terms usually run 5–25 years, with rates priced individually against Bank of England Base Rate or SONIA.
What lenders want to see
For trading businesses: 2–3 years' filed accounts and up-to-date management figures. For investment: tenant covenant, lease length, and a realistic rental valuation. We'll help you prepare a lender-ready pack.
Get in touch with our team
Tell us a bit about your mortgage needs and we'll guide you toward a suitable broker.
- Emailinfo@osl-fs.co.uk
- Phone+44 1952 459683
- Office11 Dinthill, Telford, England TF3 2DT, GB