Commercial Mortgages

Owner-Occupied Commercial Mortgages:
Investing in Your Business Premises

An owner-occupied commercial mortgage allows businesses to purchase or refinance their own premises, providing stability and control over property costs. This is ideal for:

  • Businesses looking to move away from renting and secure long-term property ownership

  • Expanding companies needing larger or better-located premises

  • Professionals such as doctors, dentists, or solicitors seeking dedicated office space

Key Benefits:

  • Greater control over costs compared to rental agreements

  • Potential capital growth and asset appreciation

  • Tailored repayment structures to suit business cash flow

Lenders assess affordability based on business financials, ensuring repayments remain manageable alongside operational expenses.

Semi-Commercial Mortgages:
Financing Mixed-Use Properties

Semi-commercial mortgages apply to properties that combine residential and commercial elements. These may include:

  • Shops with flats above

  • Guesthouses or B&Bs

  • Live/work units

Lenders assess both the commercial and residential aspects of the property, meaning mortgage terms differ from standard residential or commercial lending. Key factors include:

  • Rental income from both residential & commercial elements

  • Property type & usage restrictions

  • Loan terms tailored to mixed-use investments

Semi-commercial properties can provide investment diversity while benefiting from rental income across multiple sectors. We structure finance solutions suited to these unique assets, ensuring smooth mortgage approval and competitive terms.

Four-story brick building with large windows and blue accents on the ground floor, situated on a paved street corner under a cloudy sky.

Investment Commercial Mortgages:
Financing Income-Generating Properties

Key Considerations:

  • Rental income is a primary factor in lender affordability assessments

  • Some lenders may require long-term tenant agreements (e.g., leases of 5+ years)

  • Loan terms and deposit requirements vary based on property type and lender criteria

With access to whole-of-market lenders, we help investors structure commercial property finance to achieve strong returns while ensuring long-term sustainability.

Commercial buy-to-let mortgages are designed for investors purchasing commercial properties to rent out to businesses. These may include:

  • Office buildings

  • Retail units

  • Warehouses and industrial spaces

  • Multi-tenanted commercial premises

Get In Touch

Commercial mortgages provide funding solutions for businesses and investors alike. Whether you’re purchasing premises for your own business, investing in commercial rental property, or financing a semi-commercial asset, securing the right finance is key to maximising financial returns and long-term sustainability.

At MSP Financial Solutions, we offer tailored advice to help you find the best lending solutions, working closely with banks, specialist lenders, and private finance providers to match your needs.

What our clients have to say

  • Donny from MSP was superb at helping me.

    Donny from MSP was superb at helping me get my initial mortgage as a first time buyer. He spent time guiding me through the process and answering all of my questions.

    When it came time to remortgage I knew I was in safe hands with Donny. He helped explain all the range of different options available and their respective pros and cons. Most importantly though, he helped me to lock in the best rate a few months prior to my remortgage date. With subsequent market movements it was great to have piece of mind that we had locked in early.

    I would have no hesitation in using Donny and MSP Financial again! Thanks again Donny!

  • I’ve always been impressed

    Chris Sykes at MSP Financial has handled all my mortgages over the years, and I’ve always been impressed by his professionalism and attention to detail. He doesn’t just find a deal and leave it there, he keeps an eye on things and always lets me know if there’s a rate drop or a better option available. Where other brokers might miss those opportunities, Chris makes sure I never do. He’s clear, thorough, and genuinely has your best interests at heart. Absolutely worth the fee for the level of service and peace of mind he provides.