At Rosa Mortgages, we help business owners and investors secure the right commercial mortgage with expert guidance and whole-of-market access. Whether you’re looking to buy your own premises, invest in commercial property, or refinance an existing loan, we make the process smooth, clear and efficient.
Backed by experience and local knowledge, we take the time to understand your goals and deliver a solution that supports your long-term financial success.
A commercial mortgage is a type of secured loan used to purchase or refinance property that is not intended for residential living. It can apply to everything from offices, shops and industrial units, to warehouses, restaurants, or land for development.
Key features of a commercial mortgage:
Commercial mortgages are often more flexible than people realise and that’s where our expert advice can make a real difference.
Commercial mortgages aren’t just for large corporations. At Rosa Mortgages, we assist:
If you’re unsure whether you’re eligible, we can assess your situation and advise you honestly. Even if your circumstances are complex or non-standard, we’ll work to find the right lender for you.
We can advise on a wide range of commercial mortgage types, including:
Ideal for business owners looking to purchase the premises they operate from — removing the unpredictability of rent and building equity in the business.
Perfect for investors buying retail units, industrial buildings, or offices to let to other businesses. We help assess projected yields and find competitive lending.
For properties with both residential and commercial elements, such as shops with flats above. These require specialist lenders and tailored advice.
Free up equity, secure better interest rates, or consolidate debt. We’ll evaluate the most efficient options to reduce costs and improve cash flow.
Short-term finance for time-sensitive opportunities or refurbishment projects. We can help you move fast when it matters most.
At Rosa Mortgages, we bring simplicity and strategy to the often complex world of commercial lending:
Tailored Recommendations – We don’t believe in a one-size-fits-all approach. We get to know your business and structure solutions around your goals.
Whole-of-Market Access – Including high street lenders, challenger banks, and niche commercial specialists.
Specialist Knowledge – Commercial mortgage lending is a niche area, and we have the skills to navigate it effectively.
Time-Saving Support – We take care of paperwork, lender negotiation, and follow-ups, freeing you to focus on running your business.
Clear Communication – No jargon, no confusion — just expert guidance, every step of the way.
If you’re exploring your options for a commercial mortgage, Rosa Mortgages is here to help make your journey straightforward and successful. From our base in Southport, we support business owners and property investors across the UK with expert advice and personal service. Contact us today to schedule a free, no-obligation consultation.
Most terms range between 5 and 25 years, depending on the lender and loan amount.
Rates vary based on risk, property type, and your business’s financial health. Specialist lenders often offer flexible pricing structures.
Yes — specialist lenders exist for this purpose, especially if your business is performing well or you have strong assets.
A commercial mortgage is used for business premises, has different lending criteria, and usually requires a larger deposit.
