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Start Funding SearchMoney Pilot offers property-backed loans for purchasing, refinancing, or developing commercial real estate nationwide.
We connect you with all our available and applicable specialist lenders for the best terms and rates.
Complete a fast but in-depth overview of your finance requirements to allow our powerful matching engine to source the right lenders for you.
Engage directly with lenders in real-time, with our friendly advisors always on hand to guide you through every step of the funding journey.
Track your enquiry in real-time and seamlessly move to application— all in one place—getting you to your funds faster and with less hassle.
Money Pilot simplifies commercial property finance by matching your covenant strength and asset profile to the right lenders. We surface competitive terms, streamline diligence, and keep stakeholders aligned.
From offices to logistics, your acquisition or refinance moves with certainty.
We connect you with trusted lenders for a wide range of commercial property investment needs, including:
✅ What is commercial property finance and what types are available in the UK?
Commercial property finance covers all specialist lending products for commercial real estate — including long-term commercial mortgages for owner-occupied and investment property, short-term commercial bridging loans for time-critical transactions, development finance for commercial schemes, and mezzanine finance for larger projects. Money Pilot compares the full range from 200+ specialist UK lenders — FCA regulated (FRN: 968705), zero broker fees.
Commercial property finance is not a single product — it encompasses multiple specialist lending structures, each suited to a different stage of the investment or development lifecycle. Understanding which product is right for your situation is the first step to accessing the most competitive terms.
Bank of England held base rate at 4.25% in June 2026 — waiting for inflation to cool.
73% of UK SMEs expect to grow in the next 12 months — confidence remains strong.
Specialist commercial property finance lenders fund offices, retail units, warehouses, industrial units, logistics centres, restaurants and hospitality venues, medical and healthcare premises, car parks, hotels, and mixed-use commercial assets. The lender panel varies by property type — some lenders specialise in specific asset classes. Money Pilot identifies the right lender for your specific commercial asset at zero broker fees. FCA regulated (FRN: 968705).
Specialist commercial property finance lenders use manual underwriting, assessing each case on the strength of the asset, the income it generates, and the borrower's commercial property experience. Understanding what they assess before approaching lenders saves time and protects your credit profile.
Key commercial property finance assessment criteria:
Commercial property finance covers the full spectrum from short-term bridging to long-term investment mortgages. Money Pilot compares 200+ specialist lenders across all commercial property types — zero broker fees.
These four common commercial property scenarios illustrate how the right finance product depends on your timeline, property type, and strategy. Getting the product match right from the outset delivers better terms and avoids wasted application costs.
The choice between a long-term commercial mortgage and a short-term bridging loan for a commercial property purchase depends primarily on the condition of the asset and your timeline. A commercial mortgage is the right product where the property is in good condition, has a sitting tenant with a solid lease, and your purchase timeline allows 6 to 10 weeks for completion. A commercial bridge is the right product where the property is at auction (requiring completion within 28 days), is vacant and unmortgageable in its current condition, or where the transaction must complete before a long-term lender can proceed. Money Pilot arranges both commercial mortgages and commercial bridging finance at zero broker fees.
Commercial property refinancing is undertaken for three main reasons — to reduce the interest rate at the end of a fixed term, to release equity for further investment, or to move from a high street bank to a more competitive specialist lender. The refinancing process for commercial property typically takes 6 to 10 weeks and requires a new commercial valuation. The best time to approach a new lender is 3 to 6 months before the current fixed rate expires, avoiding the standard variable rate that applies if no action is taken at expiry. Money Pilot compares the full specialist commercial mortgage market to identify the most competitive refinancing terms for your specific asset.
Commercial property development requires a carefully structured capital stack combining senior development finance, and in many cases mezzanine finance and JV equity. Senior development finance covers 60 to 65% of GDV through a staged drawdown facility. Commercial mezzanine finance bridges the gap at 10 to 20% of GDV. JV equity provides the remaining capital in return for a profit share. Money Pilot structures all three layers simultaneously, coordinating senior, mezzanine, and equity providers through to drawdown.
Commercial properties with a residential component — such as flats above shops, offices with residential floors, or mixed commercial and residential blocks — are declined by standard residential and standard commercial mortgage lenders. Semi-commercial property finance lenders specifically assess blended income from both the commercial and residential elements, offering LTVs of 65 to 75% against the combined valuation. Money Pilot identifies the right specialist lender for your specific asset mix at zero broker fees.
Bank of England held base rate at 4.25% in June 2026 — waiting for inflation to cool.
73% of UK SMEs expect to grow in the next 12 months — confidence remains strong.
LTV limits for commercial property finance vary by product and property type. Long-term commercial mortgages offer up to 75% LTV for standard commercial assets with good tenant covenant and income coverage. Commercial bridging finance is typically capped at 65 to 70% LTV for commercial security. Development finance is assessed as a percentage of GDV rather than LTV — typically 60 to 70% LTGDV. Mezzanine finance sits between senior debt and equity, with combined LTV typically capped at 75 to 80% of GDV.
Yes — but specialist semi-commercial lenders are required for properties combining commercial and residential elements. Standard commercial mortgage lenders are not set up to assess blended income from residential and commercial tenants in the same building. Money Pilot compares specialist semi-commercial property finance lenders who assess both income streams together, offering competitive LTVs for mixed-use assets.
Timeline depends on the product. Commercial bridging finance completes in 5 to 14 days for straightforward cases. Long-term commercial mortgages typically take 6 to 12 weeks from enquiry to completion. Commercial development finance takes 4 to 8 weeks from enquiry to first drawdown. A specialist broker who understands each lender's current processing speed and appetite significantly compresses the timeline for all commercial property finance products.
Specialist commercial property finance lenders fund offices, retail units, warehouses, industrial properties, logistics centres, restaurants, hotels, care homes, petrol stations, car parks, medical premises, and mixed-use commercial assets. The lender panel varies significantly by asset type — some lenders specialise in specific classes. Money Pilot identifies the lenders with the right appetite and experience for your specific commercial property type.
Yes — most specialist commercial property finance lenders offer limited company and SPV products across all commercial property finance types including mortgages, bridging, development finance, and mezzanine. The rate differential between personal name and limited company commercial finance is generally smaller than in the residential BTL market. The right ownership structure depends on tax position, exit strategy, and long-term portfolio plans. Specialist tax advice should always be taken before choosing an ownership structure.
Money Pilot is your single point of access for all commercial property finance — comparing commercial mortgages, bridging finance, mezzanine, and JV equity from 200+ specialist UK lenders. Zero broker fees. FCA regulated (FRN: 968705). Call 020 4634 8617 or visit money-pilot.co.uk.
Disclosure: Money Pilot Ltd (FRN: 968705) is an Appointed Representative of Yellow Stone Finance Group Ltd which is authorised and regulated by the Financial Conduct Authority (FRN: 814533). Yellow Stone Finance Group Ltd is a credit broker not a lender. Money Pilot Ltd is Registered in England and Wales No: 13621432. You should always make sure you are able to afford any repayments as late or missed payments can affect your credit rating and access to future finance.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.