Commercial Mortgages in London
CoreFi is a commercial finance broker arranging commercial mortgages for London property, typically limited companies buying or refinancing premises they occupy, or landlords holding investment property. We cover offices, industrial units, retail and mixed-use across the City and the boroughs. We match your case to lenders whose criteria fit. Rates, loan-to-value and terms are indicative and depend on the property, the income and lender appetite.
A commercial mortgage is a longer-term loan secured against commercial property, used either by an owner-occupier buying the premises their business trades from, or by an investor holding property let to tenants. It is repaid over years from trading profits or rental income, and the property itself is the security. London's commercial property market is one of the deepest in the world and the reasons to borrow differ across it: professional and financial firms in the City, Canary Wharf and Mayfair buying or refinancing office space; light industrial and logistics operators securing units in Park Royal, Barking, Enfield and along the Thames corridor; retail and hospitality businesses buying their shopfront or restaurant on the high streets; and landlords holding mixed-use stock with flats above shops across the boroughs.
CoreFi is a commercial finance broker that arranges commercial mortgages for businesses and investors across Greater London, principally limited companies. We understand the property, the occupier or the tenants, and the reason for borrowing, then approach the lenders whose criteria and appetite actually fit, rather than repeating the same application everywhere. London values, rents and deal sizes are high and lender appetite varies sharply by postcode and asset type, so getting the case in front of the right lenders matters. We do not lend and we do not decide the outcome. Any rate, loan-to-value figure or term mentioned here is indicative and for illustration only; the lender decides, and terms depend on your case.
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Tell us about the property and the purpose
Share the London property, whether it is owner-occupied or an investment, the income behind it and what you are trying to do. It costs nothing to start and there is no obligation.
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We match you with suitable lenders
We assess the case against our whole-of-market panel and identify the lenders whose criteria and appetite fit the property type, the postcode, the loan size and the income. We package the deal so it is presented properly the first time.
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You review terms and decide
Where lenders come back with interest, we bring you the indicative terms in plain English and explain the trade-offs on rate, loan-to-value and term. Figures are illustrative until a lender issues a formal offer. You decide whether to proceed, and we manage the deal to completion.
Owner-occupier and investment across London
The two broad reasons London businesses take a commercial mortgage are owner-occupation and investment, and lenders read them differently. An owner-occupier buys the premises the business trades from: a professional services firm buying its own office near the City or Canary Wharf, a manufacturer securing a unit in Park Royal, a restaurant or retailer buying its West End or high-street site rather than renting. Here the lender leans on the trading business and its ability to service the loan from profits, alongside the property value. An investment commercial mortgage funds property held to let, such as an office block, an industrial estate, a parade of shops or a mixed-use building with residential above. Here the lender leans on the rental income, the quality and length of the tenancies and the property's resale value. Knowing which you are doing shapes how we present the case.
The London property types lenders see
London's commercial stock is varied and lender appetite follows the asset type closely. Offices dominate the City, Canary Wharf, the West End and the fringe markets around Old Street and King's Cross, though appetite here has become more selective as occupier demand and building quality diverge. Industrial and logistics is in short supply and steady demand in Park Royal, Barking, Enfield and the wider Thames Gateway, which many lenders favour. Retail sits along the West End and the borough high streets, where lenders look closely at footfall and tenant strength. Mixed-use, typically a commercial unit with flats above, is common across the boroughs and needs a lender comfortable splitting the residential and commercial elements. Because appetite varies so sharply by type and postcode, matching the property to the right lenders is most of the work.
What London lenders assess
For an owner-occupier case, lenders look at the trading business, its accounts and its ability to service the loan, plus the property value and the deposit going in. For an investment case, they focus on the rental income relative to the loan, usually through a debt service cover test, the strength and length of the tenancies, and the property's value and marketability in that part of London. Loan-to-value on the security sets how much is available, and London's high values can mean large tickets that suit some lenders more than others. The borrowing structure, often a limited company or an SPV, and the borrower's experience also weigh in. Coming to us with recent accounts or a tenancy schedule, the property details and a clear purpose lets us steer the case toward lenders whose criteria fit from the outset.
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, so the lender leans on your trading accounts. An investment mortgage funds property you let to tenants, so the lender leans on the rental income and the tenancies. We match each to lenders comfortable with that case across London, and the lender decides on the specifics.
Do you cover all commercial property types in London?
We work across offices, industrial and logistics units, retail and mixed-use property throughout Greater London. Lender appetite varies sharply by asset type and postcode, so part of our job is matching the property to lenders who actively fund it. The lender confirms whether they fund your specific asset and location.
Do you lend the money yourselves?
No. We are a commercial finance broker, not a lender. Whether a commercial mortgage is offered, and on what rate, loan-to-value and term, depends on your property, your income and each lender's appetite at the time. We present your case well, but the decision sits with the lender.
How much can I borrow against a London commercial property?
It depends on the property value, the loan-to-value the lender will offer, and the income available to service the loan, whether trading profits or rent. London's high values can support large loans, but appetite differs by lender and asset type. Any figure we discuss is indicative until a lender issues a formal offer.
Which borrowers can you help?
We work principally with limited companies and SPVs borrowing against commercial or mixed-use property for business or investment purposes across London. The lender confirms the eligible borrower structure for their particular product as part of their assessment.
Get matched with lenders for your London 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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