Commercial Mortgages

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Commercial Mortgages

Commercial Mortgages for Experienced UK Investors & Business Owners

Unicorn Commercial Finance specialises in structuring commercial mortgages for experienced investors, developers, and business owners across the UK. Whether you’re purchasing investment property, refinancing an existing loan, or securing funds for expansion, we provide expert guidance and tailored solutions through our network of high-street banks, specialist lenders, and private institutions.




We recently arranged a £2.8 million semi-commercial refinance on a mixed-use London property, securing a 70% LTV facility with interest-only terms and no early-repayment charges.

What We Offer

  • Investment Property Mortgages – Finance for office, retail, industrial, and mixed-use assets.
  • Owner-Occupier Mortgages – Funding for businesses purchasing or refinancing their trading premises.
  • Semi-Commercial Mortgages – Lending for mixed residential and commercial buildings.
  • Portfolio & Corporate Facilities – Consolidated lending structures for SPVs or trading companies with multiple properties.


Who We Work With
We act for:

  • Experienced property investors and portfolio landlords.
  • SMEs and business owners acquiring or refinancing premises.
  • Developers transitioning completed projects into long-term investment holdings.
  • Overseas and expatriate clients seeking UK commercial property exposure.


Why Choose Unicorn Commercial Finance

  • Award-winning UK brokerage with access to exclusive commercial lenders.
  • Decades of combined experience structuring complex, multi-asset transactions.
  • Transparent, consultative process — from first enquiry through valuation to completion.
  • Fast turnarounds, competitive rates, and strategic guidance on exits and refinancing.


Finance FAQs

See below some common questions and answers below, or call us at 03332 423 447

  • What types of commercial properties qualify for financing?

    Most types of commercial properties such as offices, warehouses, retail buildings, and multifamily units can be financed, as long as they generate reliable income.

  • How does the loan-to-value ratio (LTV) affect financing?

    LTV ratio directly impacts how much finance a client can secure. Higher LTV ratios indicate higher risk for lenders, which usually translates to higher interest rates.

  • How is the interest rate calculated for commercial property loans?

    The interest rate for commercial property loans is calculated based on several factors, including the borrower’s creditworthiness, the property’s location and condition, loan term, and the size of down payment.

  • How much down payment is required for commercial property financing?

    Some lenders may require down payments as low as 10%, while others may require up to 40%. The down payment amount required depends on the type of property and the borrower's creditworthiness

  • What are the advantages of using a commercial property finance broker?

    A commercial property finance broker can help borrowers navigate the complex process of securing finance, negotiate more favourable loan terms, access a wider range of lenders and provide expertise on the market.

  • What are the typical loan terms for commercial property loans?

    The loan term for commercial property loans can range from one year (short-term) to 30 years (long-term). However, most commercial property loans range between 5-15 years.

  • What are the usual fees associated with commercial property loans?

    Fees include origination fees, appraisal fees, credit report fees, and legal fees, and other costs that vary depends on the type of loan, terms, and location.

  • Can first-time buyers get commercial property loans?

    Yes, first-time buyers can get commercial property loans, but some conditions might apply, such as higher interest rates, bigger down payments or lower LTV ratios.

  • What documentation is required to apply for commercial property financing?

    Generally, lenders require proof of income, business or personal tax returns, a detailed financial statement, and property details such as title deeds, leasehold agreements, and appraisal reports.

  • How long does it take to secure commercial property financing?

    Depending on the lender, securing commercial property financing can take anywhere from 2-4 weeks to several months.