Commercial Remortgage

Commercial Remortgage Solutions

Commercial Remortgage For UK Businesses & Property Investors

A commercial remortgage lets businesses and property investors refinance an existing commercial mortgage onto a deal that better suits where they are now. Whether you want a better rate, lower monthly repayments, or to restructure your borrowing, Commercial Wise can help you explore genuinely suitable options from a wide range of UK lenders — and we’ll tell you plainly if staying put is actually the better choice. We work with both high-street banks and specialist commercial mortgage lenders, helping businesses and investors refinance commercial properties across different sectors and property types.

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Understanding Commercial Refinancing

What Is a Commercial Remortgage?

A commercial remortgage involves replacing your existing commercial mortgage with a new mortgage product, either with your current lender or a different lender. Businesses and property investors commonly remortgage commercial properties to:

Secure more competitive interest rates

Reduce monthly repayments

Change repayment structures

Fund business growth or improvements

Consolidate existing borrowing

Move from a variable to a fixed rate product

Refinance at the end of an existing deal period

Commercial remortgages can be arranged for owner occupied, investment, semi-commercial, and mixed-use properties.

Suitable for Many Borrowers

Who Can Apply for a Commercial Remortgage?

Commercial remortgages may be suitable for:

Each lender assesses applications individually based on affordability, property value, business performance, and the purpose of the remortgage.

Lender Considerations

What Do Commercial
Mortgage Lenders Consider?

Commercial lenders assess several factors before offering a remortgage product. These may include:

Current property value

Existing mortgage balance

Business financial performance

Rental income for investment properties

Credit history and financial profile

Loan-to-value (LTV) ratio

Property type and location

Repayment history on the existing mortgage

Some lenders focus on straightforward remortgage cases; specialist lenders may consider more complex situations. As commercial mortgage brokers, we help identify lenders whose criteria genuinely fit your circumstances.

Key Advantages

Why Consider a Commercial Remortgage?

Businesses and investors remortgage commercial properties for different reasons depending on their financial goals.

Secure a Better Interest Rate

Some borrowers remortgage to access more competitive commercial mortgage rates.

Reduce Monthly Repayments

Extending the mortgage term or securing a different rate structure may help improve monthly cash flow.

Fund Property Improvements

Some borrowers refinance to fund refurbishments, extensions, or property upgrades.

Change Mortgage Structure

Commercial remortgaging may allow you to move to a repayment structure that better suits your current circumstances.

Compare Rates

Compare Owner Occupier Rates

Finding the right owner-occupied commercial mortgage isn’t only about securing finance — it’s about finding a lender whose rates, criteria and repayment options genuinely suit your business. Our comparison tool lets you compare rates from a range of UK commercial lenders using your own business and property details. The rates displayed are sourced from lender portals and reflect products that may match your criteria. Comparing lender options can help you:

Find more competitive commercial mortgage rates

Explore flexible repayment options

Understand lender affordability requirements

Compare lender fees and terms

Identify lenders suited to your business profile

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How Commercial Remortgage Borrowing Works

The amount available through a commercial remortgage depends on factors such as property value, available equity, affordability, and lender criteria. Commercial remortgage lenders may offer:

Loan-to-value ratios up to 70%–75% in some cases

Fixed and variable rate products

Interest-only and capital repayment options

Mortgage terms ranging from 5 to 25 years

Every lender uses different affordability models and risk assessments — which is exactly why comparing options matters before you commit to anything.

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Supporting UK Businesses & Investors

Helping Clients Refinance Commercial Properties Across the UK

Whether you are purchasing your first premises or refinancing an existing property, comparing commercial mortgage products can help you make a more informed decision before applying.

Take the First Step

Check Your Commercial Remortgage Eligibility

Answer a few simple questions and our experts will let you know your potential borrowing options in minutes.

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Explore Commercial Remortgage Options Today

Whether you’re looking to refinance for a better rate or restructure your borrowing, our team is here to help you explore suitable solutions, honestly and at your pace.

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.