About Commercial Wise

A Firm Helping you Secure Commercial & Semi-Commercial Mortgage

Commercial Wise is the dedicated commercial finance division of Pure Capital Limited. We support businesses and property investors across the UK with tailored commercial mortgage solutions, built around real-world lending criteria rather than wishful thinking. From purchasing your first business premises to growing a commercial property portfolio, we provide clear, practical advice and access to a wide range of UK lenders. Our focus is simple: to make commercial finance easier to understand, easier to access, and better suited to your long-term goals — even though commercial mortgages sit outside FCA regulation, we hold ourselves to the same standard of honest, fair and transparent advice that our regulated business operates under.

Our Company

Specialist Commercial Mortgage Brokers You Can Trust

Commercial Wise operates as part of Pure Capital Limited and works as a specialist commercial mortgage broker in the UK. We’re not tied to any single bank or lender. Instead, we work with a wide panel of high-street banks, specialist commercial lenders, and alternative finance providers. This gives us a genuinely broad range of commercial mortgage options to compare, and helps us find solutions that suit your property type, business profile and financial goals — not just the deal that’s easiest for us to place. We support clients across England, Wales and the wider UK, with both straightforward and more complex commercial finance cases.

Our Commercial Mortgage Services

Commercial & Semi-Commercial
Mortgage Advice

We provide end-to-end commercial mortgage support across a wide range of finance types, including:

Owner-Occupier Commercial Mortgage

Buy or refinance the premises you trade from

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Commercial Investment Mortgage

Fund commercial property for rental income

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Commercial Remortgage

Secure a better rate or raise capital for your commercial property

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Commercial Bridging Finance

Short-term funding solutions for your time sensitive needs

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Commercial Mortgage Product Transfer

Switch to a new deal with your existing lender

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Our role is to understand your requirements properly, compare lender options honestly, and guide you through the mortgage process from initial enquiry through to completion. We focus on clear advice, practical solutions, and lender options that genuinely match your circumstances — not the first offer that comes back.

Accredited Member

Professional Standards

FCA Registered & NACFB Accredited Member Firm

Commercial Wise, the dedicated commercial finance division of Pure Capital Limited, is proud to be an accredited member of the National Association of Commercial Finance Brokers (NACFB), registration number 30992. These memberships reflect our commitment to professional standards, ethical advice and transparency across all our commercial mortgage services — a commitment we apply consistently, whether the business in front of us is FCA-regulated or not. We believe good advice shouldn’t depend on whether a regulator is watching; it should depend on doing right by the client.

Our Approach to Advice

We treat every client the way we’d want to be treated ourselves: with honesty about what’s realistic, clarity about costs and risks, and a genuine focus on the outcome that’s right for you, not just the outcome that’s quickest for us. That means explaining options in plain English, being upfront when a route isn’t likely to work even if it’s a harder conversation, disclosing fees and commission clearly before you commit, and supporting you at every stage so you’re never left guessing what happens next.

Start Your Commercial Mortgage Journey With Commercial Wise

Our team is here to help with your commercial property finance requirements. Whether you’re buying, investing, or refinancing, we’ll guide you through your options and help you explore suitable lenders — honestly, and at a pace that works for you. You can contact us by phone, email, or through our online enquiry form to arrange a free consultation.

Speak to An Advisor

Commercial Wise is a trading name of Pure Capital Limited, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 957322). Pure Capital Limited is registered in England and Wales, No. 13383125. Registered address: 18A Gawsworth Avenue, Didsbury, Manchester, M20 5NF. We act as a credit broker, not a lender, and typically work with a panel of lenders rather than the whole of the market.

Most commercial mortgages are not regulated by the Financial Conduct Authority. Even where a product falls outside FCA regulation, we apply the same standards of fair treatment, clear communication and honest advice that the FCA’s Consumer Duty requires of our regulated business.

If your borrowing is secured against property, that property may be repossessed if you do not keep up repayments.

Any fees or commission we may receive will be disclosed clearly before you proceed with us.

If you ever have a complaint, you have the right to raise it with us, and our complaints procedure is available on request. If you remain unhappy with our response, you may be entitled to refer your complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk.