Commercial Mortgages in Glasgow
A commercial mortgage funds the purchase or refinance of business property. CoreFi arranges commercial mortgages for Glasgow companies, from owner-occupied units in Hillington to investment premises in the city centre. We match your business to suitable lenders; terms depend on the property, the business and lender appetite.
A commercial mortgage lets a Glasgow business buy the premises it trades from, or refinance property it already owns, over a longer term than short-term facilities. CoreFi arranges commercial mortgages for businesses across the city, principally limited companies, whether you are an owner-occupier buying a workshop unit in Hillington or Cambuslang, a landlord acquiring retail space on Argyle Street or Byres Road, or an operator refinancing an office in the International Financial Services District around the Broomielaw.
CoreFi is a commercial finance broker, not a lender. We work across a whole-of-market panel rather than a single bank, and we shape the case around your property and trading position. Every figure on this page is illustrative; actual terms always depend on the property, the business and individual lender appetite, and the decision sits with the lender.
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Tell us about the property and your business
Share the Glasgow property you want to buy or refinance, whether it is owner-occupied or investment, and a short picture of your trading. This lets us gauge which lenders are likely to consider the case.
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We match you to suitable lenders
CoreFi reviews your case against our whole-of-market panel and identifies those whose criteria and appetite fit your property and business. We explain indicative structures without promising any specific rate or outcome.
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You compare terms and proceed
Where a lender is interested, we help you understand the indicative terms and package the case for a decision. Any figures remain illustrative until a lender issues its own formal offer, which is followed by a Scottish valuation and legal completion.
What a commercial mortgage covers
A commercial mortgage is secured lending against business property, typically over a longer term than bridging. Glasgow businesses commonly use it to buy the premises they already trade from, acquire a new site, or refinance an existing property loan onto better-suited terms. Lenders generally look at the property itself, your trading history and the affordability of the repayments. Loan-to-value, rate and term vary widely between lenders and cases; as an illustration only, owner-occupied commercial mortgages are often arranged around a majority of the property value, but the level available to your business depends entirely on the lender's assessment. Because the property is in Scotland, the security is taken by a standard security registered in the Land Register of Scotland rather than an English legal charge. Nothing here is a quote or an offer.
Owner-occupied versus investment property
There are two broad routes. An owner-occupied commercial mortgage funds premises your business operates from, for example a light-industrial unit in Hillington Park, a workshop in Govan or a trade counter in Rutherglen. An investment or commercial buy-to-let mortgage funds property you let to a tenant, such as retail units in the city centre, office space in the Broomielaw financial district, or mixed-use buildings in Merchant City or Finnieston. Lenders assess these differently: owner-occupied cases lean on your business accounts and affordability, while investment cases lean more on the rental income and tenant strength. CoreFi helps you identify which route fits and which lenders are likely to consider it.
Glasgow's commercial property sectors and use cases
We see commercial mortgage enquiries across the city's real property market. Financial and professional services firms around the Broomielaw, the IFSD and George Square take on office space. Life sciences and research businesses near the Queen Elizabeth University Hospital campus and the West of Scotland Science Park at Maryhill acquire lab and office units. Engineering and manufacturing firms, drawing on Glasgow's industrial heritage, buy and refinance units in Hillington, Cambuslang, Blantyre and along the M8. Creative, digital and media businesses in Merchant City, the Trongate and Pacific Quay by the Clyde take on studio and office space. Retailers on Buchanan Street, Argyle Street and Byres Road and hospitality operators across Finnieston and the West End finance shops, bars and restaurant premises. Whatever the sector, the case is built around the specific property and your accounts.
How CoreFi arranges your commercial mortgage
CoreFi is a commercial finance broker. We arrange commercial finance for businesses, principally limited companies, and we are not a lender. We take a clear picture of the property, the purchase or refinance, and your trading position, then approach lenders whose criteria fit rather than sending you to a single bank. Because we work across a whole-of-market panel, we can compare structures, indicative terms and likely appetite before you commit. We cannot and do not guarantee approval or any particular rate; funding always depends on the business, the property and each lender's decision. What we do is give your case the best chance of reaching lenders who are a genuine fit for a Glasgow commercial property.
What lenders typically want to see
For an owner-occupied commercial mortgage, lenders usually ask for recent business accounts, management figures, details of the property and its use, and evidence that the repayments are affordable from trading. For an investment property, expect more focus on the lease, tenant and rental income. Personal or director guarantees are common on smaller commercial mortgages. Deposit or equity requirements vary by lender and property type, and the lender will instruct a Scottish valuation and Scottish solicitors to complete the standard security. Having accounts, bank statements and property details ready helps us present a clean case. None of these requirements is a promise of approval; they simply shape how a lender assesses a Glasgow business.
Frequently asked questions
Do you only arrange commercial mortgages in Glasgow city centre?
No. We arrange commercial mortgages for businesses across the whole city and the wider west of Scotland, including Hillington, Cambuslang, Govan, Rutherglen, the West End, the south side, Pacific Quay and the Clyde waterfront, as well as the city centre and the Broomielaw financial district.
How is the security taken on a Scottish commercial mortgage?
In Scotland the lender takes a standard security over the property, registered in the Land Register of Scotland, rather than the English legal charge. Scottish solicitors handle the conveyancing. The product works the same way; the legal mechanics differ, which can affect timing.
Is CoreFi FCA authorised?
CoreFi arranges commercial finance for businesses, principally limited companies. Broking unregulated commercial finance to limited companies does not require FCA authorisation, so we do not hold and do not claim FCA authorisation. We simply help you access suitable commercial lenders.
Can you guarantee I will get a commercial mortgage?
No. Nobody can honestly guarantee commercial finance. Whether a mortgage is available, and on what terms, depends on the property, your business and each lender's own assessment. What we do is match your case to lenders whose criteria fit and present it well.
Can I refinance a commercial property I already own?
Yes. Refinancing an existing Glasgow commercial property, for example to move onto a different structure, release equity for the business, or exit a short-term facility, is a common reason businesses come to us. We assess which lenders are likely to consider your case.
Do you handle both owner-occupied and investment property?
Yes. We arrange commercial mortgages for premises your business trades from and for investment or commercial buy-to-let property you let to tenants. Lenders assess these differently, and we help you identify which route and which lenders suit your situation.
Get matched with lenders for your Glasgow 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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