Commercial Mortgages in Orpington

Commercial Mortgages in Orpington

Commercial mortgage support for businesses and investors in Orpington, Petts Wood, St Mary Cray and BR5 / BR6. Whether you’re buying premises for your own business, refinancing a mixed-use property, or investing in a small commercial unit, commercial finance works very differently to standard residential mortgages. We help clients across Orpington, Petts Wood, Chelsfield, Locksbottom and the wider area understand their options and, where advice is required, we introduce you to FCA-authorised commercial mortgage advisers.

What Is a Commercial Mortgage?

A commercial mortgage is a loan secured against property that is used for business or investment purposes, such as:
  • Owner-occupied premises – offices, shops, warehouses, workshops.
  • Investment properties – units let to third-party businesses.
  • Mixed-use buildings – e.g. shop with flats above.
  • Specialist property – care homes, nurseries, pubs or garages (subject to lender appetite).

Common Commercial Mortgage Uses in Orpington

  • Buying your first business premises instead of renting.
  • Refinancing an existing commercial loan to improve rates or terms.
  • Raising capital from a property you already own for growth or refurbishment.
  • Purchasing a mixed-use asset (e.g. retail unit with flats above) as an investment.

Types of Commercial Finance

  • Owner-Occupied Commercial Mortgages – for trading businesses buying or refinancing their own premises.
  • Commercial Investment Mortgages – for landlords and investors letting to third-party tenants.
  • Semi-Commercial Mortgages – for mixed-use properties (e.g. shop and residential above).
  • Bridging Finance – short-term funding for purchases, auctions or refurbishments.

What Do Lenders Look At?

1. The Property

  • Type of building and location (Orpington High Street, industrial estates, local parades).
  • Condition, use class and any planning or licensing considerations.
  • Lease length and tenant quality if it’s an investment property.

2. The Business / Borrower

  • Trading history and financial accounts (usually 2–3 years for established businesses).
  • Experience of the sector (for investments or specialist property).
  • Directors’ credit profiles and personal income.

3. Affordability & Loan Terms

  • Profitability of the trading business or rental cover on investment properties.
  • Deposit level – typically 25–35%+ for many commercial cases.
  • Loan term, interest-only vs capital repayment, and security offered.

Step-by-Step: Commercial Mortgage Process

  1. Initial discussion: We talk through the property, your business, and what you’re looking to achieve.
  2. Information gathering: Accounts, management figures, lease details and property info are compiled.
  3. Introduction to an adviser: We introduce you to an FCA-authorised commercial mortgage adviser.
  4. Application & valuation: The adviser approaches suitable lenders, manages the application and valuation.
  5. Offer & completion: Once terms are agreed, solicitors complete the legal work and the loan completes.

Our Role & FCA Disclaimer

We are not authorised to provide regulated mortgage advice. Our role is to provide clear information, discuss your objectives in plain English, and when regulated advice is required, introduce you to FCA-authorised advisers who can recommend specific commercial mortgage products and lenders for your circumstances.

Useful Links

Buy-to-Let Mortgages · HMO Financing · Remortgages · Contact Us

Commercial Mortgage FAQs — Orpington

How much deposit do I need for a commercial mortgage?

Many lenders look for at least 25–30% deposit, though it can vary depending on the property, business strength and overall risk.

Can a new business get a commercial mortgage?

It’s possible, but tougher. You’ll usually need a strong business plan, projections and additional security or guarantees. An adviser can explain which lenders may consider start-ups.

Are commercial mortgage rates higher than residential?

Yes, commercial rates are typically higher, reflecting the different risk profile – but they can still be competitive compared with long-term renting.

Discuss Commercial Finance in Orpington

If you’re looking at a commercial property in Orpington, Petts Wood or BR5/BR6, get in touch and we’ll help you explore your options and arrange an introduction to a regulated adviser where required.

🧮 Mortgage Calculator for Orpington Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 01689 478 303

Please feel free to complete our form and one of our friendly team will happily contact you.


Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.
Phil West
James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.
Paul H
They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!
Luke Silk
Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!
Cath Jones

Mortgage Broker Orpington is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC) 

Mortgage Broker Orpington

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