Commercial Mortgage
Entering Commercial Property? We’re Here to Guide You
Purchasing a commercial property is a significant business decision, but navigating commercial finance can quickly become complex. With varying lender criteria, market terminology and conflicting advice, it’s easy to feel overwhelmed before the process even begins.
At Open House Birmingham City, we cut through the complexity with a clear, practical approach to commercial property finance.
No unnecessary jargon. No pressure. Just straightforward, expert guidance.
We break the commercial finance journey into clear, manageable steps, helping you make informed decisions with confidence and clarity. Whether you’re acquiring new business premises or expanding your portfolio, we’re here to make the process efficient, transparent and stress-free.
Commercial Mortgages Tailored to Your Business
A commercial mortgage is more than just a loan - it’s a tool to help your business grow, invest and thrive. Designed for businesses borrowing over £25,000, these mortgages are secured against commercial property and can unlock opportunities across a range of ventures.
With a commercial mortgage, you can:
- Acquire the perfect premises for your business
- Finance strategic property investments
- Support property development and expansion projects
- Upgrade or refurbish your owner - occupied premises
- Invest in essential vehicles, machinery or equipment
At Open House Birmingham City, we don’t just provide finance - we guide you through every step, ensuring your mortgage aligns perfectly with your business goals. Get expert advice, clear options and the confidence to make your next move with certainty.
How Do Commercial Mortgages Work?
A commercial mortgage is a long - term loan secured against non - residential property, including offices, shops, warehouses and factories. It provides businesses with the finance they need to buy, develop or invest in property. As with any secured loan, the lender can repossess the property if repayments are not maintained.
Key Differences Between Commercial and Residential Mortgages:
- Higher deposit requirements: Typically 25–30% of the property value
- Shorter loan terms: Usually up to 30 years
- Stricter eligibility criteria: Based on the financial health and creditworthiness of the business
At Open House Birmingham City, we combine market expertise with a personalised, client-focused approach. From navigating complex lender criteria to identifying the optimal finance solution, we guide you every step of the way - ensuring your commercial property investment is strategic, secure and aligned with your business ambitions.
Ready to explore your finance options?
Not sure where to start with commercial property finance? Our expert team is here to guide you. Get in touch to explore your options, understand what your business can afford and receive advice tailored to your goals. Whether you’re acquiring business premises, investing in commercial property or expanding your portfolio, we’ll support you every step of the way - helping you make informed, confident decisions for your business.