Commercial Mortgages in Cambridge
CoreFi arranges commercial mortgages for Cambridge limited companies, both owner-occupier premises and investment property, across offices, industrial units, retail and mixed-use. We are a broker, not a lender, matching your case to a whole-of-market panel. The lender assesses the property and your accounts, decides and prices the facility.
CoreFi is a commercial finance broker arranging commercial mortgages for limited companies in Cambridge and South Cambridgeshire. A commercial mortgage funds the purchase or refinance of business premises over the long term, whether you are an owner-occupier buying the unit you trade from or an investor holding property let to others.
Cambridge has a genuinely constrained and specialised commercial-property market, from office and R&D space around the Science Park and Cambridge Business Park to industrial units near Waterbeach and retail and mixed-use across the city centre. We work whole of market to match your case to lenders with the right appetite for the asset type and the covenant. We do not lend, and any rate or loan-to-value we mention is indicative only; the lender always makes the final decision.
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Tell us about the premises and the plan
Share the property, its location and type, whether it is owner-occupier or investment, the price or current value, and how you intend to use or let it. This shapes which lenders we approach.
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We match you to the right lenders
We look across our whole-of-market panel and shortlist commercial mortgage lenders whose appetite fits the asset type, the covenant and your accounts, from mainstream banks to specialists.
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We support the case to a decision
We help present the trading figures, tenancy details and valuation, and manage the process. The lender assesses the property and your business, decides and sets the loan-to-value and terms.
Owner-occupier premises for Cambridge businesses
Cambridge is space-constrained, and for a growing company, owning premises can be a way to secure a foothold rather than face relentless rent reviews. We work with owner-occupiers buying the offices, workshops, warehouses and lab-enabled units they trade from, from a scientific instruments firm taking a unit near Waterbeach or on the Cambridge Business Park, to a professional practice buying its offices in the city centre, to a contractor buying a yard and storage on the edge of town. Owner-occupier lending is usually assessed on the trading business behind it: profitability, affordability and the sustainability of the company that will occupy the building. A lender wants to see that the business can service the mortgage from its own trading, so we present the accounts and the premises together as one coherent case.
Investment property across offices, industrial, retail and mixed-use
The other side of the market is investment: property held to let. Cambridge's chronic shortage of the space its economy needs, particularly office and R&D space around the Science Park, Granta Park and the Biomedical Campus, underpins strong demand from occupiers, while the city centre and district high streets in areas like Mill Road and the Grafton carry a mix of retail and mixed-use stock. For an investment mortgage, lenders look closely at the rental income, the strength and length of the leases, the quality of the tenant covenant and the underlying value of the building. A well-let office near a business park reads very differently to a vacant retail unit needing a new tenant. We help investors present the tenancy schedule and the numbers clearly, and match the case to lenders comfortable with that asset class and location.
How the Cambridge property market shapes the lending decision
Commercial mortgage appetite is driven by the asset as much as the borrower. Cambridge's specialised stock, especially lab-enabled and R&D space, is not a standard high-street proposition, and lenders vary a great deal in how they treat it, how they view the resale and reletting market, and what loan-to-value they will stretch to. Industrial and warehouse units near the A14 corridor and Waterbeach are generally more conventional; specialist or heavily fitted-out buildings can be harder to place. We know how these differences read to a lender and steer your case toward funders who genuinely understand the local market, rather than testing the whole market blind. Every loan-to-value or rate we discuss is indicative only; the lender assesses the property and your accounts and sets the terms.
Frequently asked questions
What is the difference between an owner-occupier and an investment commercial mortgage?
An owner-occupier mortgage funds premises your own business trades from, assessed mainly on your trading accounts and affordability. An investment mortgage funds property you let to others, assessed mainly on the rental income and tenant strength. We match each to the right lenders.
Can you help finance office or lab space around the Cambridge Science Park?
Yes, though specialised office and lab-enabled space is a nuanced area. Lenders vary in how they treat highly fitted-out or R&D buildings and their reletting market. We match the case to funders comfortable with that asset type. The lender makes the final decision.
Does CoreFi provide the commercial mortgage itself?
No. CoreFi is a broker, not a lender. We match your premises and your accounts to commercial mortgage lenders on our whole-of-market panel, and the lender assesses the case, decides whether to lend and sets the loan-to-value and terms.
What loan-to-value can I expect on a Cambridge commercial mortgage?
Any loan-to-value figure we mention is indicative and illustrative only. It varies by lender, property type, whether it is owner-occupier or investment, and the strength of the covenant or your accounts. The lender sets the actual figure after assessing the case.
Which types of commercial property do you cover?
We work across offices, industrial and warehouse units, retail and mixed-use premises in Cambridge and South Cambridgeshire, including the science and business parks, the city centre and the A14 corridor. What a lender will support depends on the asset and your case.
Is CoreFi FCA regulated for this?
The commercial mortgages we arrange for limited companies are unregulated business lending, so they do not require FCA authorisation. We are a broker acting for limited-company borrowers, not a lender or a regulated adviser.
Get matched with lenders for your Cambridge business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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