Expert advice – Fox Davidson – Whole of Market – NACFB Accredited, Fee Free, Commercial Mortgage Broker. ‘Stop paying rent and start building equity with tailored commercial mortgage solutions designed for growing businesses.‘
Unlock Your Business Potential with Tailored Commercial Property Financing from £150,000 to £25+ Million
Finding the right commercial premises for your business shouldn’t drain your working capital or delay your growth plans. Many business owners struggle with high upfront costs, restrictive commercial mortgages, and lengthy application processes that can cause them to miss out on prime business premises. Traditional lenders often overlook the unique property finance needs of growing businesses, leaving entrepreneurs stuck in expensive rental agreements.
Commercial Finance
Business property finance offers a smarter path forward. Instead of tying up valuable cash flow in deposits or continuing to pay rent to landlords, you can secure commercial property ownership with competitive commercial finance solutions. Whether you’re purchasing your first business premises, expanding your business property portfolio, or seeking development finance for new projects, the right commercial mortgage can transform your business trajectory and build long-term wealth.
📞 Call immediate expert advice. 💻 Complete our enquiry form 📧 Email outline your requirements
Why Choose Business Property Finance?
Transform your business operations and financial future with commercial property solutions designed for real-world challenges:
- Competitive Interest Rates from whole market – Access some of the market’s most competitive commercial mortgage rates with flexible terms up to 25 years, making monthly payments manageable for your business cash flow
- High Loan to Value Ratios up to 80% – Minimise your commercial mortgage deposit requirements and preserve working capital for business operations, inventory, and growth initiatives
- Fast Track Approval Process – Get lending application decisions within 48-72 hours for urgent commercial property acquisitions, ensuring you never miss out on the perfect business premises
- Flexible Repayment Structures – Choose from capital repayment, interest only options, or capital repayment holidays to optimise your business cashflow.
- No Property Type Restrictions – Whether you need offices, warehouses, retail spaces, or mixed-use commercial properties, our specialist team arranges finance for all commercial premises types
- Build Business Equity – Stop enriching landlords and start building valuable business assets while potentially benefiting from property market appreciation over your mortgage term
How It Works
Our streamlined application process gets you from initial consultation to property ownership faster than traditional commercial finance brokers:
Step 1: Free Initial Consultation and Assessment
Contact our specialist team for a same-day eligibility assessment. We’ll review your business finances, credit rating, and property finance needs to identify the best commercial mortgage options from our panel of 150+ lenders.
Step 2: Property Valuation and Documentation
Submit your business accounts (typically 3 years), bank statements, and property details. Our team handles the commercial property valuation and liaises with lenders to ensure your lending application progresses smoothly.
Step 3: Formal Offer and Terms Agreement
Receive your commercial mortgage offer in principle within a few business days, complete with interest rates, loan terms, arrangement fees, and repayment schedules tailored to your business requirements. Initial offer subject to valuation.
Step 4: Legal Completion and Fund Release
Our dedicated case managers coordinate with solicitors to complete the first legal charge registration and release funds, typically within 8 – 12 weeks from your initial application.
What Makes Fox Davidson Different?
Fox Davidson, a leading UK commercial mortgage brokerage, stands apart with its specialist focus on commercial property finance:
- 20+ years of Commercial Expertise – Brokers specialising in business property finance since 2005, with deep understanding of commercial mortgages. Bridging loans & development finance.
- Extensive Lender Network – Direct access to 150+ specialist lenders including challenger banks, building societies, and private funders, ensuring we find the right solution for complex cases and competitive rates
- Zero Broker Fees – No upfront costs or hidden charges. No fees where lenders pay commission on completion, meaning professional commercial finance advice costs you nothing
- Dedicated Case Management – Your assigned specialist handles your application from initial consultation through to fund release, providing regular updates and expert guidance throughout the process
- Complex Cases Welcome – We successfully arrange finance for limited company purchases, overseas borrowers, property investors, and businesses with unique circumstances that high street banks often decline
What Others Are Saying
⭐⭐⭐⭐⭐ “The team secured our warehouse purchase in just 3 weeks when our bank said it would take 8-12 weeks. The interest rate was better than expected and the interest only option helped with our cash flow.”
⭐⭐⭐⭐⭐ “As a property investor, I’ve used many commercial finance brokers. Fox Davidson arranged bridging finance for a complex mixed-use acquisition that others said was impossible. Professional, fast, and no upfront fees.”
⭐⭐⭐⭐⭐ “Buying our retail premises through a limited company seemed complicated until we found Fox Davidson. They explained everything clearly and the legal charge was completed without any delays. Excellent service.”
📊 95% Customer Satisfaction Rate | £1BM+ Commercial Property Finance Arranged | Fee Free Broker
Business Property Finance Options
Choose from our comprehensive range of commercial finance solutions, each designed for specific business property needs:
Commercial Mortgages
- Loan Amount: £150,000 to £25+ million
- Loan to Value: Up to 90% (100% for professional practices or with additional security)
- Mortgage Terms: 5-25 years available
- Interest Rates: Fixed rate up to 15 years or variable rates
- Best For: Purchasing existing commercial properties, owner-occupied business premises, investment property acquisitions
Commercial Bridging Loans
- Loan Amount: £150,000 to £10+ million
- Loan to Value: Up to 75% of property value
- Loan Terms: 1-18 months short term finance
- Interest Rates: Market dependent & case specific. Fixed or tracker rates
- Best For: Fast commercial property acquisitions, auction purchases, chain breaks, refinancing existing loans
Development Finance
- Loan Amount: £150,000 to £50+ million
- Loan to Value: Up to 70% of GDV
- Loan Terms: 12-36 months typical
- Interest Rates: Market dependent & case specific. Fixed or tracker rates
- Best For: New commercial property construction, major refurbishments, conversion projects
Frequently Asked Questions
Typically 25-40% deposit depending on the property type, your business finances, and chosen lender. Some specialist lenders accept 20% deposits for strong applications. Higher loan to values are possible for professional premises such as doctor & Dentist practices.
Average 8-12 weeks from application to completion. Fast finance options like commercial bridging loans can complete in 1-2 weeks for urgent acquisitions.
Yes, most commercial mortgages are available to limited companies. Personal guarantees from directors are typically required, and we’ll ensure the finance option suits your business structure.
Yes, most commercial mortgages are available to limited companies. Personal guarantees from directors are typically required, and we’ll ensure the finance option suits your business structure.
Offices, retail units, warehouses, industrial premises, mixed-use buildings, and investment properties. Planning permission and property condition affect eligibility criteria for some lenders.
Not essential for owner-occupied business premises. Property investors and developers may need to demonstrate relevant experience, but we work with lenders who support first-time commercial property buyers.
Yes – bridging loans for speed, asset refinancing for existing properties, and development finance for projects. We’ll recommend the best deal based on your specific property finance needs.
Get Your Business Property Finance Today
Stop delaying your business growth due to commercial property concerns. Fox Davidson, your trusted UK commercial mortgage brokerage, is ready to secure competitive commercial finance that fits your business model and cash flow requirements.
🏢 Get Your Free Commercial Property Finance Quote 🏢
💡 No obligation consultation • NACFB accredited & FCA Regulated broker • Zero upfront fees
📞 Call for immediate expert advice 💻 Complete our enquiry form or 📧 Emailfor a confidential discussion.
🔒 5-Star Rated Service | No Broker Fees | Same-Day Decisions Available
Secure today’s competitive interest rates. Prime commercial properties move fast – let us help you move faster.
How To Finance Commercial Property For Investment Purposes
To discuss commercial mortgages for business premises please do get in touch. We fund commercial property anywhere in the UK.
