Commercial Mortgages for Businesses & Investors
in Bournemouth & across Dorset and Hampshire
Bespoke commercial mortgage solutions for businesses & investors
At Bournemouth Mortgages, we help business owners and property investors arrange finance for owner-occupied premises, commercial investments, mixed-use property, refinancing and refurbishment projects.
Commercial lending rarely follows a one-size-fits-all approach. Different lenders assess businesses, properties, rental income and deal structures in different ways, so finding the right lender — and presenting the application properly — can make a significant difference.
You'll deal directly with an experienced commercial mortgage broker throughout, with evening and weekend availability when you need it. Based in Bournemouth and Poole, we arrange commercial mortgages across Dorset, Hampshire and the UK.
Whole-of-market commercial lenders | Direct access to your broker | Evening & weekend support
📞 Call us on 01202 985214 for a no-obligation chat about your plans.
Our Commercial Mortgage Solutions
Every business and commercial property investment is different.
That’s why we’ve created dedicated pages for the main types of commercial mortgages we arrange
— so you can quickly find the information most relevant to your situation:
Buying premises for your own business? We arrange finance for offices, shops, warehouses, workshops and other commercial property, with options tailored to your business, trading history and plans.
Planning to refurbish, convert or reposition a commercial property? We can explore funding options from bridging and development finance through to refinancing onto longer-term commercial borrowing.
From single commercial units to mixed-use portfolios, we help landlords and investors find finance suited to the property, rental income, tenant profile and ownership structure, including Limited Company and SPV purchases.
Running a business as a sole trader, partnership or limited company?
We help business owners explore commercial mortgage options for purchasing or refinancing their premises, based on their business, finances, property and borrowing requirements.
Not sure which option fits?
Talk to us about your plans and we'll help you understand which type of commercial finance could be right for your situation.
Why partner with Bournemouth Mortgages?
Access to the wider commercial lending market
We compare high-street banks, challenger lenders and specialist commercial lenders to identify options suited to your business, property and deal structure.
Experience with complex commercial deals
Commercial lenders have different appetites and criteria. We take the time to understand the details of your deal, identify suitable lenders and structure your application accordingly.
Direct, flexible support
Deal directly with George throughout, with hands-on support from application to completion and evening and weekend availability when you need it.
How do commercial mortgage lenders assess your application?
Here’s what lenders usually look for when assessing an application:
Deposit / Loan-to-Value (LTV):
A deposit of around 25–40% is common, although requirements vary by lender, property and the strength of the application. Higher LTV borrowing may be possible in some circumstances.
Loan structure & term:
Commercial mortgages may be available on a repayment or interest-only basis, with the term depending on the lender, property and purpose of the borrowing. We'll help you understand how different structures affect repayments, overall cost and your longer-term plans.
The property:
Lenders consider the type, condition, location and value of the property, as well as its intended use. Offices, shops, warehouses, industrial units and mixed-use properties can all be assessed differently.
Business strength or rental income:
For owner-occupied premises, lenders typically assess the trading business and its ability to service the borrowing, including factors such as accounts, profitability, cash flow and existing commitments. Measures such as adjusted EBITDA may form part of the assessment.
For commercial investments, lenders focus more heavily on rental income, the tenant profile and lease terms. They may use Interest Cover Ratio (ICR) or Debt Service Coverage Ratio (DSCR) calculations to assess whether the income sufficiently supports the borrowing.
Want to explore the numbers?
Use our Commercial Mortgage Calculator to get an indication of repayments and see how different loan amounts, terms and interest rates could affect the cost of borrowing.
Try our Commercial Mortgage Calculator
Or, get in touch and we’ll give you an early estimate so you can plan with confidence.
Rates, fees & factors to consider
Commercial mortgage rates are individually priced and can vary considerably depending on the loan-to-value, property type, loan size, strength of the business or rental income, and the lender.
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Interest rates: Commercial mortgage rates vary between lenders and are usually priced according to the individual deal. We'll compare suitable lenders and explain the rates and overall borrowing costs available for your circumstances.
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Lender arrangement fees: Often charged as a percentage of the loan amount and commonly around 1–2%, although this varies by lender and deal.
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Valuation & survey fees: Costs vary depending on the property, type of valuation or survey required, and complexity of the transaction.
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Legal fees: You'll usually need to budget for legal costs, which can include the lender's legal fees as well as your own.
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Broker fee: Our typical broker fee for arranging a commercial mortgage is £999, although this may vary depending on the size and complexity of the case. We’ll confirm the exact fee before you proceed.
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Early Repayment / exit Charges: Some commercial mortgage products include charges for repaying or exiting the loan early. We’ll explain any applicable charges when discussing your options.
📞Call 01202 985214 and we’ll explain the full cost breakdown before you commit,
so there are no surprises.
A recent commercial mortgage success story
From a stalled bank application to completion in five weeks
A portfolio landlord approached Bournemouth Mortgages after struggling to progress a commercial mortgage application with their bank.
The client was purchasing a warehouse divided into multiple commercial units, with borrowing of more than £500,000 and a 25% deposit. The property offered a rental yield of around 10%, but there was an important complication: the client wanted to purchase the property in their personal name, which their existing bank would not accept.
Rather than asking the client to change their preferred ownership structure, we identified an alternative commercial lender whose criteria allowed the purchase to proceed in the client's personal name.
Timing was also important. Two previous buyers had already failed to complete on the property, and the client was understandably keen to avoid further delays.
Within five weeks of approaching Bournemouth Mortgages, the new commercial mortgage was approved and the purchase completed.
The client later said:
“He achieved what the bank couldn’t, and made what had become a stressful process feel straightforward. I wouldn’t hesitate to recommend him to anyone looking for commercial finance.”
This case is an excellent example of why lender criteria can matter just as much as headline rates in commercial finance. A structure that doesn't fit one bank's requirements may be acceptable to another lender with a different appetite and criteria.
Commercial mortgages - FAQs
1. Do you only work in Bournemouth?
No — we're based in Bournemouth and operate across Bournemouth, Christchurch & Poole. We also arrange commercial mortgages for businesses and property investors right across Dorset & Hampshire.
2. What types of property can I finance?
Commercial mortgages can be used for many types of property, including offices, shops, restaurants, warehouses, industrial units, workshops and mixed-use buildings. More specialist properties may also be considered depending on the lender and circumstances.
3. Can sole traders apply?
Yes. Commercial mortgages are available to sole traders, partnerships and limited companies. Lenders will consider factors including the business finances and trading history, the property and its intended use, and the ability to service the borrowing. Criteria vary between lenders, so not fitting one lender’s requirements doesn’t necessarily mean you won’t have options elsewhere.
4. What deposit will I need?
A deposit of around 25–40% is common, although requirements vary depending on the lender, property, purpose of the borrowing and strength of the application. Higher loan-to-value borrowing may be possible in some circumstances.
5. Do you fund refurbishments?
Yes — Depending on the project, options can include bridging loans, development finance and refinancing onto longer-term commercial borrowing. See our Property Refurbishment Finance page.
6. Can I get a commercial mortgage if my bank has declined my application?
Potentially. A decline from one bank doesn’t mean every commercial lender will reach the same decision. Lenders have different criteria and appetites for particular businesses, property types and deal structures. We can review your circumstances and assess whether alternative lenders may be suitable.
7. Can a limited company get a commercial mortgage?
Yes. Limited companies can take out commercial mortgages to purchase or refinance property, subject to lender criteria. How the application is assessed will depend on factors including whether the property will be occupied by the business or held as an investment, the company’s financial position and the proposed borrowing.
8. What’s the difference between an owner-occupier and a commercial investment mortgage?
An owner-occupier commercial mortgage is typically used when your business will operate from the property, while a commercial investment mortgage is used when you’re buying or refinancing a property that will be let to another business.
Lenders assess the two differently. Owner-occupier lending tends to focus more heavily on the trading business and its ability to service the loan, while commercial investment lending places greater emphasis on rental income, the tenant and lease.
What our commercial mortgage clients say
"A great service provided for a commercial mortgage, would highly recommend."
★★★★★ Google Review
"Needed a commercial Warehouse refinanced
Googled and found this company, was very quick to respond to my questions and what I needed, very knowledgeable and proactive. I have a quick solicitor and now a quick Mortgage broker. Can recommend"
★★★★★ Google Review
Explore our commercial mortgage success stories
See real examples of how we’ve helped business owners and property investors secure commercial finance, including purchases, refinancing and more complex cases.
View our Commercial Mortgage Success Stories.
Have a commercial mortgage or property finance requirement you'd like to discuss?
📞Call us on 01202 985214 or request a free call-back.
Speak directly with George about your plans and the options available, with evening and weekend appointments available when you need them.
We support commercial property owners in Bournemouth, Christchurch, Poole and across Dorset & Hampshire
Based locally in Bournemouth, we arrange commercial mortgages for businesses and property investors across Dorset, Hampshire, and the surrounding South Coast. Explore some of the local areas we serve:
Commercial mortgage guides and insights
Explore our latest guides and insights for business owners and commercial property investors, or visit our blog for more.