Example: premises purchase
An established business outgrowing rented premises may consider a commercial mortgage to purchase its own property.
This is an illustrative example only. Suitability depends on individual circumstances.
Commercial mortgages
Finance for commercial property ambitions.
Commercial property finance and commercial mortgages for UK businesses looking to purchase, refinance or invest in commercial property.
Tera arranges finance from a panel of lenders. We are not a lender.
Overview
Commercial property finance covers commercial mortgages and related facilities secured against business or investment property. Terms depend on property type, valuation and applicant profile. Use the commercial mortgage calculator if you need estimated repayments and day-one costs; use this page to explore funding itself.
How it works
Funding is secured against the property. Deposits, valuations and legal work are typically required. Terms may span many years.
Common uses
- Purchasing business premises
- Refinancing existing commercial property
- Portfolio investment
- Commercial investment property
Benefits
- May enable property ownership or investment
- Repayments may be structured over long terms
- Refinancing may release equity for other purposes
Considerations
- Valuations and legal checks add time to the process
- Deposits or equity are usually required
- Property type and location affect availability
- Personal guarantees may be requested
Information required
- Property details and purchase price
- Deposit or equity available
- Business and rental income information
- Existing property portfolio details
Who may consider
- Limited companies and LLPs purchasing premises
- Incorporated property investors
- Companies refinancing existing property debt
The process
- 1.Share property requirements through Tera's assessment
- 2.Provide financial and property documentation
- 3.Arrange valuation and legal work through the provider
- 4.Review and complete the mortgage offer
Commercial mortgages FAQs
Tools and resources
- How much deposit do you need for a commercial mortgage?
Worked LTV examples and deposit tables for £250k, £500k, £1m and £2m commercial purchases — illustrative only.
- How to finance a commercial property purchase
A practical guide to commercial mortgages, bridging finance and other routes to buying business premises.
- Commercial mortgage calculator
Model monthly payments, fees and day-one cash for owner-occupied or investment property.
Get a quote
Tell us what your business needs.We'll handle the next steps.
Complete the short form and a Tera commercial finance specialist will review your requirement and contact you to discuss suitable next steps.
- No login required
- No obligation to proceed
- Human review on every enquiry
Prefer to talk?
Call 020 4572 4601