Commercial Mortgages
Are you investing in Commercial Property? Or taking on your own business premises? Look no further.
Commercial Mortgages
Commercial Mortgages Structured by Investors Who Understand Commercial Property
Commercial property finance requires a clear understanding of both the asset and the income it generates. Omni Funding was founded by property investors who recognised a gap in the market for commercially focused funding advice that goes beyond standard lending criteria. We help investors, landlords, and business owners secure commercial mortgages that support long-term income, asset value, and portfolio growth.
Whether you’re purchasing, refinancing, or restructuring a commercial asset, our commercial mortgage solutions are tailored to the realities of the UK commercial property market.
Commercial Mortgage Solutions Across Multiple Property Types
Commercial mortgages are used to fund properties that generate income from business activity. We work with a wide range of specialist UK lenders to secure competitive terms across multiple sectors
We arrange commercial mortgages for:
- Office buildings
- Retail units and shopping parades
- Industrial and warehouse properties
- Hospitality venues and leisure assets
- Semi-commercial and mixed-use properties
Funding can be structured on owner-occupied or investment-only bases, depending on your objectives.
Strategic Commercial Finance Backed by Real Investment Experience
As active property investors, we understand that commercial lending decisions are driven by income strength, tenant quality, lease terms, and asset resilience. Commercial finance is not one-size-fits-all, and lender appetite can vary significantly by sector.
Our experience allows us to:
- Match properties with lenders who understand the sector
- Assess lease structures and covenant strength
- Structure funding around income stability and yield
- Support both single-asset and portfolio-level borrowing
We approach commercial mortgages strategically, ensuring funding enhances both cash flow and long-term asset value.
Portfolio Funding FAQ's
What is a commercial mortgage?
A commercial mortgage is a loan secured against property used for business purposes or commercial investment, such as offices, retail units, or industrial buildings.
How much can I borrow?
Commercial lenders typically offer between 60–75% loan-to-value, depending on property type, income stability, and tenant strength.
How are commercial mortgages assessed?
Lenders assess rental income, lease length, tenant covenant, property condition, and borrower experience rather than standard residential affordability.
Can I get a commercial mortgage through a limited company?
Yes. Many investors purchase or hold commercial property within limited companies, and most lenders support this structure.
Are commercial mortgage terms longer than residential?
Commercial mortgage terms typically range from 5 to 25 years, with interest rates and terms tailored to the property and income profile.
Expert Commercial Mortgage Advice with Market Insight
Commercial mortgage lending is assessed differently from residential and buy-to-let finance. Lenders focus on the property’s ability to generate sustainable income, alongside borrower experience and financial strength.
At Omni Funding, our commercial mortgage service is built around three core principles:
1. Income-Led Lending Strategy
We work with lenders who focus on rental income, lease length, and tenant covenant rather than relying solely on traditional affordability models.
2. Access to Specialist Commercial Lenders
Our panel includes high-street banks, challenger banks, and specialist commercial lenders, allowing us to secure funding aligned with your property type and risk profile.
3. Flexible Terms Aligned to Long-Term Strategy
Whether your goal is income retention, capital growth, or portfolio
Other Services
Bridging Finance
Buying at auction, stuck in a chain, or looking to add value with a project? Our team has brokered over £75m in bridging loans across a multitude of projects.
Development Finance
If you are building from the ground up or taking on a large scale conversion, we can help arrange funding. We support clients from acquisition to completion, structuring finance around build stages, cash flow and exit strategy.
Services
Locations
Contact Us
- 0131 322 6632
- info@omnifunding.co.uk
- 6 Dryden Road, EH20 Business Centre, EH20 9LZ
OMNI Funding is a trading name of Omni FS Ltd, and is an appointed representative of Greig Oliver which is authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 760195).
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
We are a credit broker, not a lender. We source finance from the whole of the market. We conduct both regulated and unregulated business, and therefore, not all products provided through us are regulated by the Financial Conduct Authority.
Typically, we receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
Omni FS Ltd registered in Scotland SC852527. FRN: 1042253. Registered office: 6 Dryden Road, EH20 Business Centre, Loanhead, Midlothian, EH20 9LZ.
ICO registration number is ZC074405
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