Get custom funding for offices, retail, and industrial assets with Money Pilot — fast approvals, low rates, and tailored options for UK commercial investors.
Commercial Finance with Money Pilot
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Tailored Lending for Business Assets
Money 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.
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.
It’s funding secured against commercial real estate for business use or investment.
Companies, sole traders, and investors owning or purchasing commercial buildings across the UK.
Up to 75% depending on asset type and tenant strength.
Yes — varies by lender and repayment strategy.
No hidden fees — full transparency and competitive rates.
Usually 7–14 working days from valuation to completion.
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.
✅ 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.
The full range of commercial property finance in the UK
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.
Commercial property finance product overview
Commercial mortgages - long-term 5 to 25 year loans for purchasing or refinancing owner-occupied business premises or investment commercial property. Fixed or variable rates, LTV up to 75%
Commercial bridging finance - short-term 3 to 24 month secured loans completing in 5 to 14 days for auction purchases, refurbishment, chain breaks, and unmortgageable assets
Commercial mezzanine finance - second charge loans bridging the gap between senior debt and equity for commercial developments, at 10 to 20% of GDV
Commercial JV and equity finance - equity capital from institutional and private investors for large commercial developments in return for a profit share
Semi-commercial property finance - specialist mortgages and bridging for properties combining commercial and residential elements
Which commercial property types does specialist finance cover?
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).
How specialist commercial property finance lenders assess applications
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.
Property type and quality - asset class, condition, location, and planning status all determine which lenders will consider the case
LTV position - the most significant driver of rate; most lenders cap at 65–75% depending on asset type
Income coverage (DSCR) - rental or business income must cover the debt service at a stressed rate, typically 125–150%
Tenant quality and lease terms - for investment properties, the strength and length of the commercial lease directly affects rate and LTV
Borrower experience - proven track record in commercial property investment or development significantly strengthens any application
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.
Commercial property finance - matching the right product to your situation
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.
One asset, five products - the commercial property finance map
'Commercial property finance' is a family of products, and the expensive mistake is applying for the wrong member. The map below matches the situation to the tool - then we price the right one across the whole market.
What matters
Applying product-by-product
Money Pilot
Buy or refinance a standing property
Guess between products
Commercial mortgage - owner-occupied (accounts-led) or investment (rent-led)
Development finance - staged drawdowns against the appraisal
Stretch leverage beyond senior debt
Stall for lack of equity
Mezzanine or JV equity layered on the senior
Blend of residential and commercial
Declined by both mainstream camps
Semi-commercial lending on the blended income
2026: the refinance year - and how to be early
Roughly a fifth of UK commercial property loans mature during 2026 - a refinance wave that is already shaping lender appetite and pricing. Borrowers who engage 4 - 6 months before maturity keep every option open: a straight term refinance, a capital raise against accrued equity, a restructure onto interest-only through a works period, or a managed sale. Borrowers who arrive at expiry negotiate under pressure, and lenders price pressure.
The early-mover pack is the same one that wins any commercial mortgage - accounts or rent roll, leases, EPCs, and a one-page statement of the plan - plus your current facility's redemption terms. We benchmark your existing rate against the live market across 200+ lenders, at zero broker fees, so the decision to move or stay is made on numbers rather than inertia.
The zero-fee promise
Most UK brokers charge 1–1.5% of the loan as their fee. Money Pilot charges zero broker fees - we are paid by the lender, our whole-of-market comparison across 200+ specialist UK lenders stays free to you, and Miranda Khadr’s team is directly FCA regulated (FRN: 968705).
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Opening Times: 9am - 6pm, Mon - Fri
Company Registration No. 13621432
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