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Fast, Flexible Funding for Ambitious UK Businesses
Commercial Mortgages, Bridging Loans, and Development Finance tailored with care.
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WHAT WE DO
At Well Commercial, we make complex lending feel straightforward.
Whether you're buying premises, unlocking cash flow, or funding a new development, we bring together deep sector experience with a human-first approach.
Commercial Financial Solutions Tailored to Your Business
Commercial Mortgages
Whether you’re purchasing premises, refinancing or expanding, we compare lenders across the market to find a commercial mortgage that fits your goals.
Bridging Finance
Short‑term funding for time‑sensitive opportunities. Ideal for property purchases, auction buys, refurbishments and cash‑flow gaps.
Development Loans
From light refurbishments to ground‑up builds, we help developers secure funding that supports every stage of their project.
Unsecured & Asset-Based Lending
Flexible finance options for working capital, equipment, growth and day‑to‑day business needs.
Why Businesses Choose Well Commercial
Independent Whole-of-Market Access
We’re not tied to any lender, we search the market to find the most suitable options for your business.
Fast Decisions and Clear Communication
We know time is critical. Our process is streamlined, transparent and built around your deadlines.
Human-First Support from Start to Finish
No jargon. No call centres. Just expert guidance from real people who understand commercial finance.
How Our Funding Process Works
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Who We Help
Property Investors
Developers
Limited Companies
SME's and Growing Businesses
COMMERCIAL MORTGAGE FAQ
What is a commercial mortgage?
A commercial mortgage is a loan secured against a property used for business purposes such as offices, warehouses, shops or mixed‑use premises. Unlike residential mortgages, they’re designed for companies, investors and entrepreneurs looking to buy or refinance business property.
How does a commercial mortgage work?
Commercial mortgages work similarly to residential loans but with key differences. Loan‑to‑value ratios are usually lower (typically 65–80%), interest rates are based on risk, and terms range from 5 to 20 years. Repayment options include capital‑and‑interest or interest‑only, and lenders may request additional guarantees.
How much deposit do I need for a commercial mortgage?
Most lenders require a deposit of 20–35% of the property value. Higher‑risk sectors (such as construction or retail) may need a larger deposit, while some lenders may go up to 90% LTV in specific circumstances.
Who can apply for a commercial mortgage?
Limited companies, LLPs, sole traders and property investors can all apply. Lenders typically prefer businesses with 2–3 years of trading history, but start‑ups may still qualify with additional security or personal guarantees.
What can a commercial mortgage be used for?
Commercial mortgages can be used to buy or refinance business premises, invest in commercial property, or support growth. Many lenders also allow funding for equipment, vehicles, IT systems or cash‑flow needs through asset‑based or cashflow finance.
What factors affect eligibility?
Lenders assess business structure, trading history, creditworthiness (business and personal), financial accounts, cash flow, projections and deposit size. Strong financial stability improves your chances of approval.
Are commercial mortgage rates higher than residential rates?
Yes, commercial rates are typically higher because lenders take on more risk. Rates vary depending on the business sector, financial strength, deposit size and property type.
Can I get a commercial mortgage as a start‑up?
Yes, but lenders may require personal guarantees, a larger deposit or strong business plans and projections. Start‑ups often benefit from working with a specialist broker who can match them with flexible lenders.
How long does it take to get a commercial mortgage?
Timescales vary, but most commercial mortgages take 4–12 weeks depending on lender requirements, valuations, legal work and the complexity of the case. Bridging finance is much faster if speed is essential.
Do I need a broker for a commercial mortgage?
While not mandatory, working with a specialist broker helps you access more lenders, avoid declines, compare options and secure funding that fits your goals. It also saves time and reduces the risk of delays.
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What Well Financial Does:
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