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.

Commercial remortgages may be suitable for:

• Business owners refinancing trading premises
• Commercial property investors
• Portfolio landlords
• Limited companies
• Sole traders and partnerships
• Borrowers approaching the end of an existing deal

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

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

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
• Purpose of the remortgage
• Loan-to-value (LTV) ratio
• Property type and location
• Repayment history on the existing mortgage

Some lenders may focus on straightforward remortgage cases, while specialist lenders may consider more complex situations.

As commercial mortgage brokers, we help identify lenders whose criteria may fit your circumstances.

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 why comparing lender options can be important.

Commercial remortgaging can involve different lender criteria, repayment structures, and refinancing options.

As commercial mortgage brokers, we help businesses and investors:

• Compare commercial remortgage products
• Explore suitable lender options
• Understand lender affordability requirements
• Review repayment structures and terms
• Navigate the refinancing process more efficiently

Our role is to help identify commercial remortgage solutions that align with your financial objectives and property requirements.

Before applying for a commercial remortgage, you can complete our free commercial mortgage eligibility check. We assess your circumstances against lender criteria to help identify suitable refinancing options based on your property and financial profile.

Our eligibility assessment can help you:

• Understand your refinancing options
• Explore suitable commercial lenders
• Reduce unnecessary declined applications
• Gain clarity on borrowing potential
• Save time during the remortgage process

There is no fee for an eligibility check and no obligation to proceed.

Check My Eligibility

Every commercial remortgage application is different. Some borrowers may be looking to secure a better rate, while others may require more flexible finance arrangements. At Commercial Wise, we take the time to understand your refinancing goals and help identify lenders whose products may suit your circumstances. Whether you are refinancing a business premises, investment property, or mixed-use asset, we aim to make the process clearer and easier to manage.