225
£m in Transactions
15
Pipleline Transactions
8
Types of Properties
Welcome to Mayfair Commercial Mortgages
Mayfair Commercial Mortgages: Your Expert Mortgage
Brokers in London, UK, For A Secure Commercial Future
We offer a vast range of specialist finance services with the promise of reliability and speed as the most recognised mortgage
brokers in London, UK. Whether you need property refurbishment finance, development finance, mortgages for HMOs, or
commercial mortgages, the right loan is just a call away.
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About Us
Commercial Lending Made Easy, One Mortgage At A Time
Mayfair Commercial Mortgages has the authorisation to acquire and provide development project funding for all kinds of property professionals, like real estate agents and property developers.
Bridging Loans Over £500,000
Through bridging loans of over £500,000, Mayfair Commercial Mortgages offers chain-break financing options and can help you buy development sites with and without planning permission.
Hassle-free Development Finance
Being one of the top mortgage brokers in London, we offer competitive rates and secure funding for all kinds of major property refurbishments, redevelopments, and new build projects.
Commercial Funding Experts
From the largest banks to the smallest private funders, we connect you with only the best while offering our targeted commercial finance provider services as expert London mortgage brokers.
why
Choose Us?
Have you been searching for ‘best mortgage brokers London’ or ‘mortgage advisers near me’, because you need to find a trustworthy lender for your commercial mortgage funding? Stop looking around because we’ve got you covered.
From funding for multi-million-pound new building developments to connecting clients with loans worth £500,000+, Mayfair Commercial Mortgages has become the most well-reputed mortgage broker London has ever had.
Commercial Mortgage
Experts You Can Trust
We call our team of financial specialists the experts in mortgages because of our wide range of contacts throughout the finance industry.
Mortgages for HMOs
Tired of searching for ‘Reliable HMO mortgage broker near me’? Or are you an old client or business that wants to borrow a larger mortgage? Let our team of specialists handle all your mortgages for higher LTVs.
Property Refurbishment Made Worry-Free
As one of the expert mortgage brokers in London, UK, we can help you from acquisition to expansion by arranging loans for light, medium, and heavy refurbishment projects, whether it’s for a change of use or internal reconfiguration.
Strategic Solutions For Business Buy-To-Let Mortgages
We offer the most strategic financing solution when you need access to large buy-to-let mortgages through private banks, while informing you about any assets that would have to be put under management as part of the transaction.
Helping You Navigate the Commercial Mortgage Market Strategically!
Not all mortgage brokers in London, UK, provide mortgage advice that is tailored to your needs. If you are up a gum tree and need commercial mortgage advice, let our specialists at Mayfair Commercial Mortgages help you out because we offer:
- Funding for multi-million-pound new build developments.
- Expert mortgage advisers.
- Access to the most reputable lenders.
Frequently Asked Questions
What is a Commercial Mortgage?
A commercial mortgage loan is used to buy or refinance a non-residential property, such as offices, retail shops, or apartment buildings. This type of commercial property mortgage is secured against the building itself. If you’d like to explore your options or find the best commercial mortgage rates UK, feel free to reach out for a tailored consultation and a personal quote.
How Much Deposit Do I Need for a Commercial Mortgage in UK?
In the UK, the typical commercial mortgage deposit ranges from 25% to 40% of the property’s value. This depends on the lender, business type, and your financial profile. Higher-risk cases, such as a commercial investment mortgage, may require a larger deposit. If you’re ready to move forward, speak with a commercial mortgage advisor to explore your options.
What Do Lenders Look For?
Lenders assess whether you can repay the commercial mortgage loan. They focus on rental income, business profits, deposit size, credit history, and the value of the commercial property mortgage. Working with a commercial mortgage advisor can help present your application most strongly.
How Are Commercial Mortgage Rates Structured?
Commercial mortgage rates are influenced by several factors, including the base rate set by the central bank, lender risk assessment, inflation adjustments, and administrative costs. If you’re searching for the best commercial mortgage rates UK, it’s worth comparing lenders or speaking with a specialist advisor.
What Are the Red Flags on My Commercial Mortgage Application?
Common red flags include a low credit score, high debt-to-income ratio, inconsistent income, undervalued property, or incomplete documentation. These issues can impact your ability to secure a commercial mortgage loan or favorable commercial mortgage rates.
How Long Do Commercial Mortgage Terms Last?
Commercial mortgage terms in the UK typically range from 3 to 25 years, with 15–25 years being common for a commercial property mortgage. The term may vary depending on whether it’s a commercial buy to let mortgage or owner-occupied property.
How Long Does the Application Take?
A commercial mortgage loan application in the UK usually takes between 8 to 10 weeks from submission to completion. Working with a commercial mortgage advisor can help streamline the process.
Can I Get a Mortgage as a Limited Company?
Yes, limited companies can apply for a commercial property mortgage, including a commercial buy to let mortgage. Most lenders require a minimum commercial mortgage deposit of around 25% and may request a personal guarantee.
What is an Owner-Occupied Mortgage?
An owner-occupied commercial mortgage loan is used when a business purchases or refinances a property it operates from. This differs from a commercial investment mortgage, where the property is rented to tenants.
What Fees Should I Expect to Pay?
Typical costs include arrangement fees, valuation fees, legal fees, and broker fees. These apply to most commercial mortgage loans, though some can be added to the loan amount. A commercial mortgage advisor can break down the full cost for you.
Can I Refinance an Existing Property?
Yes, refinancing allows you to replace your existing commercial property mortgage with a new one—often to secure better commercial mortgage rates, reduce repayments, or release equity.
Can I Get a Commercial Mortgage Without a Deposit?
While rare, it is sometimes possible to secure a commercial mortgage loan without a cash commercial mortgage deposit. This usually requires strong business performance or additional security, such as another property.
Is It Hard to Get a Commercial Mortgage in the UK?
Getting a commercial mortgage loan in the UK is achievable if you have strong financials, a solid deposit, and a good credit profile. Access to the best commercial mortgage rates UK improves with proper preparation.
How can I improve my chances of being approved?
Make sure all documentation is complete and accurate. Focus on large deposits. Have a clean credit history and strong profits. Use a specialised mortgage broker to find lenders that suit your business type. We recommend having a brief consultation with our team to let us assist you.
Can I Appeal a Lending Decision?
Yes, you can appeal a rejected commercial mortgage loan application, usually within 30 days. A commercial mortgage advisor can help review and strengthen your case before resubmission.
What is a Bridging Loan for Property Improvement?
A bridging loan is a short-term financing solution often used for renovations or development when a commercial mortgage loan is not suitable due to timing or property condition.
What are my commercial property finance options?
The common options include long-term commercial mortgages, short-term bridging loans, and development finance. If you are ready to explore finance options, our team are happy to walk you through the current market.
Is Getting an Unsecured Business Loan Easy?
Unsecured loans are easier to apply for but harder to get approved unless your business is financially strong. Compared to a commercial mortgage loan, they usually come with higher commercial mortgage rates and shorter terms.
Do I Need Experience with an HMO Mortgage?
Yes, for a commercial buy to let mortgage such as an HMO Mortgage, lenders typically require at least 1–2 years of landlord experience due to higher risk.
Why Use a Commercial Mortgage Advisor?
A commercial mortgage advisor provides access to a wide range of lenders, including those offering the best commercial mortgage rates UK. They simplify the process, save time, and help secure the most suitable commercial property mortgage for your needs.
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