Let us deal with your finance so you can handle your business.

Commercial mortgages are considered specialist with lenders having strict criteria on who they will lend to and on what terms.

Some won’t even consider applications directly from borrowers only acting through intermediaries.

This means you may miss out on the most suitable deals if you don’t use a specialist broker.

Kerr & Watson can access the whole commercial mortgage market to find the solution that fits your requirements.

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Who We Help

✓ Purchasing or refinancing commercial property

✓ Running a business from premises you want to buy

✓ Investing in commercial property opportunities

✓ Looking for lenders specialising in commercial mortgages

Unsure Whether You Can Get a Mortgage for a Commercial Property?

Commercial mortgages are considered specialist finance and lenders often apply strict criteria depending on the type of business and property involved.

At Kerr & Watson, we review your situation and identify lenders that are comfortable financing your commercial property purchase.

Concerned Commercial Mortgage Applications Are More Complex?

Commercial mortgage applications usually require additional information such as business accounts, projected income and property details.

We help structure your application clearly and approach lenders whose criteria match your business and property type.

Not Sure Which Lenders Offer Commercial Mortgages?

Many commercial lenders do not deal directly with borrowers and prefer applications through specialist brokers.

We access lenders across the commercial mortgage market to help find a solution suited to your requirements.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to speak to a mortgage adviser about your circumstances, borrowing requirements and property plans.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will use the information you’ve provided to research suitable mortgage options across the market and explain our recommendation to you.

If you need an Agreement in Principle, we can also arrange this as part of the process.

Application

Once you’re ready to proceed, we will submit the full mortgage application and supporting documents to the lender.

We will liaise with the lender and its underwriters, respond to any additional requirements and keep you updated until the mortgage offer is issued and through to completion.

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Access To Bridging and Commercial Lenders Including:

Mortgage Lenders

Testimonials

    
 
 
       Posted on Google  
   
   Bernadette Bashford-Payne 
 30 September 2026
 
 
  I can't recommend Kerr & Watson enough. I moved from another provider I had been using for 20+ years due to missing a purchase after multiple delays and errors. Kerr & Watson took me in as a customer and out did any expectations I had. They also taught me more about mortgages than I thought I knew, making the process easy. A great all round service by every member of the team, at every step.
  
 
      Posted on Google  
   
   Neil Medcalf 
 24 September 2026
 
 
  We could not have asked any more in service, action when required, flexibility when circumstances changed and the determination to get the mortgage sorted for us. We were delighted with every aspect of the service and would highly recommend Kerr and Watson, in particular Marie who is a Gem.
  
 
      Posted on Google  
   
   Vicki Beesley 
 24 September 2026
 
 
  I could not recommend Kerr & Watson highly enough. Marie was absolutely amazing and went above and beyond despite our very difficult circumstances. We would not be where we are today with her.  If you are looking for a company that truly cares then you will not be disappointed. Thank you again Marie!
  
 
      Posted on Google  
   
   Dani 
 24 September 2026
 
 
  We had a very positive experience with Kerr & Watson. The adviser, Marie Kitchen, was very professional, responsive and helpful throught the entire re-mortgage process. She took the time to explain each step clearly, answered our questions promptly and kept us informed of the progress of our application. We are very satisfied with the service and would be happy to recommend the company to others looking for a mortgage assistance 😊
  
 
      Posted on Google  
   
   Jonny Hornzee 
 23 September 2026
 
 
  The whole team at Kerr & Watson were extremely helpful and communicative. Highly recommend.
  
 
      Posted on Google  
   
   Simon Bruckshaw 
 23 September 2026
 
 
  Another fantastic experience with Stephen, Andreea and the team at Kerr & Watson. I've worked with them in numerous occasions and each time has been a pleasure. True experts in their field, always offer great advice and an unrivalled level of service.
  
 
      Posted on Google  
   
   Sarah Perrot 
 23 September 2026
 
 
  Great service from Bradley and we won’t hesitate to use him again in the future.
  
 
      Posted on Google  
   
   Sam 
 23 September 2026
 
 
  Thank you.. amazing service will defo use again.
  
 
      Posted on Google  
   
   charlotte yates 
 21 July 2026
 
 
  Marie Kitchener was extremely helpful with a difficult , quite complex case. Marie responded to our questions with understanding, great knowledge and we trusted her advice.  The solicitor she recommended was brilliant too. Highly recommend Kerr & Watson.
  
 
      Posted on Google  
   
   Lauren Murray 
 30 June 2026
 
 
  Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.

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Who We’ve Helped: Commercial Mortgages

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Useful Articles for Commercial Mortgages

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Frequently Asked Questions

▸ ▾ How long does it take to get a commercial mortgage?

The process for a commercial mortgage usually takes between four to eight weeks, depending on the complexity of the purchase.

▸ ▾ Can you use a residential mortgage for a commercial property?

No, residential mortgages cannot be used for commercial properties. They are strictly for residential purposes.

▸ ▾ Does a commercial mortgage affect your personal mortgage?

A commercial loan typically does not impact obtaining a personal mortgage, especially if your business is incorporated as a limited company. Lenders will ensure your business income can support your mortgage commitments.

▸ ▾ Can a new company get a commercial mortgage?

Yes, start-up businesses can qualify for commercial mortgages. The key is demonstrating the business’s potential profitability to afford the loan.

▸ ▾ Can you buy a shop with a mortgage?

Yes, purchasing purely commercial properties like shops requires a commercial mortgage.

▸ ▾ Do you pay stamp duty on a commercial mortgage?

Stamp duty applies to non-residential and mixed-use properties, including those with both residential and commercial elements.

▸ ▾ When are commercial mortgages used?

Commercial mortgages come into play for businesses looking to borrow significant amounts, typically over £25,000, using business property as collateral. They offer a medium to long-term loan solution.

▸ ▾ What are the alternatives for a commercial mortgage?

Alternatives include bridging loans for short-term needs, short-term loans for smaller amounts, and personal loans for amounts up to £25,000.

▸ ▾ How do commercial mortgages work?

Commercial mortgages are similar to residential mortgages but are used to purchase commercial properties. The repayment terms and conditions mimic those of residential mortgages, with the business property serving as the security.

▸ ▾ What are the different types of commercial mortgages?

There are two primary types:

Owner-occupier mortgages for business premises
Commercial investment mortgages for properties intended for leasing.

▸ ▾ What fees will I pay on a commercial mortgage?

Fees include arrangement fees, valuation fees, legal fees for both your and the lender’s legal representation, and broker fees.

▸ ▾ How is interest paid on a commercial mortgage?

Interest is typically variable, quoted as a percentage over the base rate.

Fixed-rate options are available for smaller loans.

▸ ▾ What are the eligibility criteria for a commercial mortgage?

Criteria include assessing your company’s cash flow, projected income, ability to pay the deposit, and the rental income’s impact on cash flow.

▸ ▾ What is classed as non-residential property?

Non-residential properties include offices, retail units, industrial spaces, and mixed-use properties, among others.

▸ ▾ Who offers commercial mortgages?

Lenders range from high street banks offering competitive rates to challenger banks and niche lenders willing to accommodate unique borrowing needs.

▸ ▾ What is a semi-commercial mortgage?

This mortgage is for mixed-use properties, like a shop with a residential flat above, requiring a unique mortgage product.

▸ ▾ Can you get a commercial mortgage on land?

Yes, commercial mortgages are available for land purchases, with or without planning permission.

▸ ▾ What will affect the commercial mortgage interest rate and fee?

Factors include business trading duration, profitability, debt level, credit history, personal guarantees, loan size, loan-to-value ratio, property use, and lender-specific criteria.

▸ ▾ What is the difference between a commercial mortgage and a residential mortgage?

Commercial mortgages are for properties used for business purposes, while residential mortgages are for properties used as homes.

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