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Commercial Mortgages & Bridging Finance

A Commercial Mortgage is probably the most popular way to finance the purchase of buildings and land for business purposes. As with Residential Mortgages, a Commercial mortgage means the lender has a legal claim over the property until the loan has been fully repaid. However Commercial Mortgages are much more complex and are priced and underwritten on an individual basis, depending upon the risk

Historically business owners went to their own bank for their commercial loan needs. With recent difficulties in obtaining commercial finance, more borrowers than ever are having to look to other lenders and need advice on what is available.

The Financial Conduct Authority does not regulate most Commercial Mortgages.

Commercial Mortgage Sectors

Owner Occupier

Commercial mortgages can be arranged on a variety of property types for occupancy by the client. 

Investment Finance – Commercial Buy To Let

Commercial investment mortgages are available against residential properties (e.g. Houses of Multiple Occupation), semi commercial properties (e.g. flat and shop) and commercial properties that are let to tenants on a tenancy/lease agreement.

Development Finance

Development finance is available for refurbishment of existing residential, semi commercial (e.g. shop with flat above) or commercial properties.

Bridging Loans

The main principle behind bridging finance is to provide a timely and short term method of borrowing funds. It Is often used to complete on a property purchase while waiting for a sale to complete or when in a hurry to complete on a purchase, for example when purchasing at an auction, where completion is typically required within 28 days.


Commercial Mortgages and Bridging Loans services are referred to a third party.  Neither 1 4 U Financial Solutions Ltd nor PRIMIS are responsible for the service received.  These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.

The Fees for Mortgage advice detailed below, do not apply to commerical mortgages and only apply to residential and Buy To Let Mortgages aranged by 1 4 U Financial Solutions Ltd.


We charge a Broker Fee of £199 on application and £190 on completion of your Mortgage.

*Some forms of Bridging Finance and most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Commercial Mortgages, Overseas Property & Mortgages, Wills, Probate, Trusts and Tax & Estate Planning are not regulated by the Financial Conduct Authority. 

Pensions, Investments, Wills & Probate, Tax & Estate Planning, Overseas Property & Overseas Mortgages, Commercial Mortgages, Bridging Loans and Commercial Insurances are referred to specialist suppliers. 1 4 U Financial Solutions Ltd or PRIMIS are not responsible for any advice received from a third party.

This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.