Owner-occupied and investment commercial mortgages, structured against real trading performance, tenancy strength, and rental income — not just a credit score.
Whether you're buying your trading premises or building a commercial investment portfolio, we structure the case around the income that actually supports it.
Buying the premises your business trades from — offices, retail units, warehouses, and industrial space.
Investment purchases let to businesses, structured against tenant covenant strength and lease terms.
Buildings combining commercial and residential elements — a specialist area with a narrower lender field, which we know well.
Property value, loan size, and business or rental income — either through our calculator below or a quick call with the team.
We match your case against the lenders most likely to approve it, based on trading history, tenancy, and asset type.
We handle the paperwork and liaise with the lender directly through valuation and underwriting.
Funds released, mortgage in place. We stay on hand for renewals and future refinancing.
Estimate your monthly cost on an interest-only basis. This is a guide only — not a loan offer.
Yes — owner-occupier commercial mortgages let you buy the premises your business trades from, often assessed against your business accounts and trading history.
Commercial mortgage deposits typically start around 25-35%, though this varies significantly by property type, tenant strength, and lender.
Yes. Mixed commercial/residential buildings are a specialist area with fewer lenders — we work with those who understand the blended income assessment involved.
Typically business accounts, a business plan (for owner-occupiers), lease agreements (for investment purchases), and standard identification and property documents.
Ace Finance UK arranges unregulated finance products only, including commercial mortgages, bridging finance, and development finance. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it. Calculators on this site provide estimates only and do not constitute financial advice or a loan offer.
Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated mortgage contracts and do not provide regulated financial advice of any kind.