🏢 Commercial Mortgages in Guildford

Expanding your business or acquiring a commercial investment in Guildford? From retail units on the High Street 🛍️ to office suites in Burpham 🏬 and light industrial near Slyfield 🏭, we help owners and investors prepare, compare and progress commercial mortgage applications efficiently. Where a personalised recommendation is required, we’ll connect you with an FCA-regulated adviser experienced in commercial lending.

🤝 How We Help

• 📋 Clarify borrowing routes: owner-occupied vs investment
• 🏦 Compare high-street banks, challenger lenders and specialist funders
• 🗂️ Prepare robust packs: accounts, leases, business plan and forecasts
• ⏱️ Coordinate valuation and legal steps to keep the timeline tight

🔎 What Lenders Focus On

• 📊 Serviceability: Historic and projected profits (owner-occupied) or rental income and lease quality (investment)
• 💰 Deposit/LTV: Commonly 60–70% LTV; sector and covenant strength can shift this
• 📈 Experience & resilience: Trading history, management and contingency planning
• 📍 Property fundamentals: Location, condition, EPC and alternative use

🏗️ Typical Property & Use Cases

• 🛍️ Retail, hospitality and mixed-use
• 🏬 Offices and business parks
• 🏭 Light industrial, workshops and storage
• 🩺 Semi-commercial (shop with uppers), dental/medical and professional practices

📍 Local Notes

Guildford’s prime retail and professional services hubs demand strong valuation evidence; semi-commercial along arterial routes can offer resilient yields 💷. Packaging leases (terms, breaks, covenants) clearly helps underwriters and valuers align on risk and price.

❓ Commercial Mortgage FAQs

💡 How much deposit will I need?

Often 30–40% for investment; strong owner-occupied cases can sometimes achieve higher LTVs.

💡 Can I borrow in a company (SPV or trading ltd)?

Yes — lender appetite and pricing vary by structure and sector.

💡 Do lenders accept interest-only?

Possible for investment cases with strong leases; many owner-occupied loans are repayment.

💡 How long does it take?

Allow 6–12+ weeks depending on valuation, legal complexity and information quality.

🚀 Next Steps

Share the property details, accounts and goals. We’ll outline suitable lender routes and connect you with an FCA-regulated adviser to progress the application.