Commercial Lending

Business owners! Help your business grow with the right financial solutions.

Award Winning

Commercial Lending

Business owners! Help your business grow with the right financial solutions.

Award Winning

Help your business thrive with the right financial advice. 

No matter the type of business you run, there may come a time when you need financial assistance.

Let us guide you through these moments with expert advice tailored to your unique needs, ensuring your business continues to grow and succeed.

Looking for the best commercial mortgages on the market? Perhaps you’re a business professional with an impressive brand and a growing company who needs to find the perfect premises to operate from. If you aren’t quite at the point where you can buy a building outright, a commercial mortgage may be just what you need. Or perhaps you already have a building, and you want to explore your options with releasing equity by doing a commercial remortgage.

How it works

How it works

We can help secure commercial property mortgages for Limited companies, Limited Liability Partnerships, pension funds, charities among others.

Generally commercial mortgages work similarly to regular mortgages however there are some differences for example, some lenders will offer up to 100% loan-to-value (with additional security against another asset). They will offer loans with no upper limit on repayment and interest-only options with lots of competitive fixed and variable rates.

What types of business can we help with?

Here are just some of the businesses we can help, but of course we’re not restricted to just these types in businesses; Doctors, dentists, opticians, pharmacists, agriculture, care homes, restaurants, hotels, veterinarians, commercial property, any legal purpose, and much more.

Where should I start?

Most business owners start with their business bank. But many of these traditional banks are restricted in the type of borrowing they can offer, so may not be able to offer you the right solution for your needs.

What else should I consider?

Don’t simply settle for what your bank can offer. Speak to an independent commercial mortgage adviser. You’ll benefit from a whole-market approach that can help you see the different solutions that could help your business.

How can we help?

Don’t take no for an answer! Many of our clients had approached their banks and been declined. Speaking to Frog Financial Management has given them a broader choice of financial solutions so they can get on and grow their businesses.

Talk to an expert

“Having a specialist commercial broker is invaluable. We get to know your business, and, because of our knowledge of the whole commercial lending market, we can find the most suitable lenders and loans for your needs.

With over 15 years’ experience in the commercial lending sector, our commercial team can make a real difference. We are proud to be member of the NACFB, the professional association for commercial finance brokers and lenders, giving you confidence in our high industry and regulatory standards.”

Commercial Mortgages are not regulated by the Financial Conduct Authority.

Frequently asked questions

Frequently asked questions

A commercial mortgage is designed for purchasing property intended for business use rather than residential living or renting out. It’s a strategic investment for those looking to expand their commercial real estate portfolio.

Commercial mortgages usually come with higher interest rates compared to residential ones. This is because lenders perceive commercial loans as carrying greater risk.

Typically, commercial mortgages offer repayment terms ranging from one to 25 years, though they can extend up to 30 years in some cases. This flexibility allows businesses to tailor their financing to suit their long-term goals.

To qualify, you’ll generally need to showcase your experience in the sector, contribute 20% to 40% of the property’s cost, and provide evidence of your ability to repay the loan. Lenders will assess your company’s trading history as part of the underwriting process to ensure you can meet the repayment terms comfortably.

Yes, stamp duty applies to commercial properties, but the rates are typically lower than those for residential properties. This includes land purchases and transfers intended for commercial use.

Commercial mortgages fall into two main categories:

Owner-occupier mortgages:
These are for purchasing property that will serve as trading premises for your business.

Commercial investment mortgages:
These are intended for properties that you plan to let out.

Pros:

  • The interest on your commercial mortgage is tax-deductible from your turnover.
  • If the value of your property increases, so does your capital.
  • Renting out the property can generate additional income.

Cons:

  • A substantial deposit is required, usually around 30%, but this can vary.
  • Expect to incur a range of fees, including arrangement, valuation, legal, and broker fees.
  • Securing a business mortgage is a lengthy process, involving thorough financial and legal checks.

No Fixed Rates:
Typically, commercial mortgages do not have fixed rates, but where available, these rates tend to be higher.

Higher Interest Rates:
You’ll generally face higher interest rates than you would with a residential mortgage, as commercial loans are seen as higher risk by lenders.

Arrangement Fees:
These are often added to the loan after approval. Some lenders may require them upfront to cover their work, should you decline the proceed. Arrangement fees are usually 1% to 2% of the loan amount for loans up to £1 million.

Valuation Fees:
A valuer will assess the property and report back to the lender. These fees start around £500 for straightforward cases, with costs based on individual quotes, payable after an initial offer is accepted.

Legal Fees:
Both your legal fees and those of the lender need to be covered, typically starting at around £500 for each party.

Broker Fees:
A broker offers tailored advice and represents your interests to lenders. Frog Financial Management charges for its services, with details available elsewhere on this page.

Some of our Google Reviews

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Louisa Russell
5 days ago
Fantastic experience with Frog Financial, I would not hesitate to recommend them! They have made everything very easy for me - this was my first property purchase and due to my situation it was a complicated application for my mortgage, they went above and beyond to make it work and then to find me a better deal. Thank you so much, especially to Craig, Fiona and Ruth who have been so helpful, patient and always responding to questions very quickly. The client portal they have is also very easy to use. Great company!
William Abbott
2 months ago
Greg and Fiona (and team) with Frog Financial were incredible, they made the whole process really smooth and hassle free. A great lovely team and experience - I'd use them again in a heartbeat.
Samantha Edwards
2 months ago
A fantastic company that supported us through the very long and difficult process of acquiring our childhood home. Craig, Ruth and the team were always available to answer any questions, as well as checking in with us regularly during the process. Would highly recommend.
Anna Zagorska
2 months ago
I recently received financial management support and was extremely pleased with the service provided. The team was professional, knowledgeable, and always available to answer my questions. They explained everything clearly, helped me understand my options, and guided me through the process with patience and expertise. Their attention to detail and commitment to achieving the best outcome gave me confidence throughout. I felt supported every step of the way and would highly recommend their services to anyone looking for reliable and trustworthy financial management assistance.
David Mockett
2 months ago
Excellent service from start to finish. Professional, helpful, and always available to answer questions. Everything was explained clearly, making the whole process smooth and stress-free. I would highly recommend their financial management services.
Mark Bran
3 months ago
Greg has helped me purchase my first property, and throughout the process he gave 100% from start to finish. He answered all my questions promptly and in detail, providing all the information I needed to make the best informed decision. If you are looking to buy a new property, I highly recommend contacting him, as he is an absolute legend. I cannot thank him enough for his humanity and professionalism.
Jignesh Mehta
3 months ago
Great Team and Great People! You will never find a company who shows care and support like Frog Financial Management. Genuine people who always looks out for your interest and willing to help in any way possible. Thank you so much Craig, Ruth and Fiona. I would love to give more than 5 stars as you guys truly deserve it! Keep up the great work!
Alastair Strauss
4 months ago
I had a really great experience with Frog Financial, especially Greg, who helped us put together quite a complex three-part mortgage so we could buy the house we really wanted. What stood out was how he structured everything in a way that felt genuinely affordable and manageable for us, rather than just pushing what was possible. His knowledge is excellent, but more importantly, he explains things in a really clear, straightforward way, which made the whole process feel much less daunting. It’s been a pleasure working with Greg and I’ll definitely be using him and Frog Financial again for future advice.
Stuart Goddard
4 months ago
Great Job! Really helpful and really quick to respond! Great service, would definitely recommend.
Tracey Goddard
4 months ago
Excellent service, thank you!
N S-W
4 months ago
Frog, particularly Greg, has simply been amazing. We trusted him with getting us a mortgage after a stint overseas, which was a difficult ask. He helped us secure our dream home and was proactive in securing our renewal , saving us unending stress and costs. Frog Financial is a place you can trust. They have our business for life. Thanks!
Meg Riddington
4 months ago
Great service from Greg and the team, helping us think about the options in relation to our own personal circumstances.
Adam Connors
4 months ago
Excellent service, really efficient, took the time to understand our (non standard) requirements and discussed with us to find a good option. Good online portal to keep everything in order as well.
alok rai
4 months ago
I had fantastic experience with Frog Financial Management. From start to finish, team was very friendly, helpful and professional. The team delivered incredible high quality services. I highly recommended them to anyone looking for mortgage services. Thank you.
Alex Spring
5 months ago
First-time buyer. Everyone at Frog was great, very professional and helpful. 5/5, I would definitely recommend using them!
Carl Goodman
5 months ago
Excellent mortgage advice and a very personal service. Greg has been great at getting the best deal available for my mortgage and subsequent re-mortgages. Highly recommended.
James Rudge
5 months ago
When my fixed rate was up on my mortgage, Frog Financial Management were recommended to me. Greg helped to find me a fantastic deal and, along with Charley, was extremely efficient, keeping me up to date at every step. The portal was easy to use for uploading documents and overall it was a pleasant and pain free experience. Thank you both. I can not recommend their services highly enough - 5 stars is an understatement.
Sarah Carroll
6 months ago
I had a great experience with Frog financial management when they helped me with a new mortgage. Someone was always available to speak to and they were really helpful throughout the whole process.
Jason Benn
6 months ago
An exceptional service given. Everyone we have spoken with has gone above and beyond to help us and answer all questions we have. Can not recommend Frog financial management enough and will be using them again in the future. Jason Benn
Jasmin
6 months ago
Fantastic service, great communication, very helpful and quick to reply to our queries. Thank you to the whole team!
J W
6 months ago
Helped us through our remortgage, fantastic experience, knowledgeable, quick & very helpful. Couldn’t recommend them more.
H Oakes
6 months ago
A great experience, really good communication and they go above and beyond to help. Would recommend!
Gaganpreet Lyal
6 months ago
Great service, very clear and coherent. Always approachable and very knowledgeable in all areas. Huge thank you to Greg and Ruth.
Manmeet Lyal
6 months ago
Amazing team, coherent communication, tailor made advice and very easy to work with across Mortgages and Introduction to potential investments.
Corran Wood
6 months ago
Everyone at frog has been so helpful and knowledgable! From the first call I felt at ease and I was kept well informed throughout the process and had everything explained to me. There isn’t any pressure or chasing which is so refreshing! I couldn’t recommend them more, thank you!

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Initial consultation

We offer you initial no obligation consultations. Frog Financial Management will bear the cost of this, where we will: Describe our services more fully and explain the payment options. Gather and analyse personal financial information about you and your aims and objectives. Recommend and discuss any action we think you should take.

Refund of fees
All fees are fully refundable should we be unable to achieve a Lenders Mortgage Offer (as applied for), except in the following circumstances:
Client not proceeding due to own choice. | Client not proceeding due to valuation issues. | Client not proceeding due to property chain issues. | Client non-disclosure of material facts.

Example of fees
for residential mortgages
We typically charge £527,
payable on application.

Standard residential mortgage – £527
Shared ownership and Right to Buy – £674
Product switch – £137
Complex/impaired credit history – £797

Example of fees
for buy-to-let mortgages
We typically charge £557,
payable on application.

Standard Buy-To-Let mortgage – £557
Limited company Buy-To-Let mortgage – £677
HMO Properties/Portfolio landlords*- £779
Product switch – £137
Complex/impaired credit history and non-standard properties – £979
*A ‘Portfolio Landlord’ is defined as client(s) having four or more buy-to-let properties (mortgaged or mortgage free), on completion of this mortgage transaction.

Example of fees for
Bridging, Development
and Commercial mortgages
We typically charge £787,
payable on application.

Business Finance – £987
Development Loan – £987
Commercial Mortgage – £787
Bridging Loan – £787

Example of fees
Lifetime mortgages
We typically charge £1,147,
payable on completion.

Standard Lifetime mortgage – £1,147
Complex property construction types – £1,497