Expert advice from Fox Davidson – Whole of Market – NACFB Accredited – Fee Free Commercial Brokerage
Expert Commercial Mortgage Brokers – Fox Davidson.
Finding the right commercial mortgage for your business premises or as an investment can be tricky to negotiate alone. With over 100 UK lenders offering different lending criteria, interest rates, and specialist finance options, navigating the market to find the right lender on your own directly can be time consuming and costly.
At Fox Davidson, our brokers help clients find the best commercial finance solution whether you are a business buying property to trade from or a commercial property investor purchasing or remortgaging a property to rent out.
Fox Davidson solve this challenge by leveraging their extensive knowledge of the whole market, specialist lender relationships, and expert understanding of commercial property finance.
Fox Davidson are a specialist UK commercial mortgage broker. Call or send us an email to discuss your mortgage requirements in confidence with an NACFB accredited commercial finance broker.
Why Choose Fox Davidson as Your UK Commercial Property Finance Broker?
Working with us provides distinct advantages that direct applications simply cannot match:
- Best Rates – Market leading rates from UK lenders including high street banks, private banks, challenger banks, and broker only commercial lenders.
- Expert Market Knowledge – We have been advising clients since 2005
- Time – Fast approval from direct relationships with underwriters
- High Loan to Values – We can secure up to 100% loan to value funding for professional practices
- Borrower – We can lend to Ltd companies, LLP’s, Trusts, Individuals, SIPP’s
- Property – Funding for care homes, student accommodation, warehouses, semi-commercial, retail, B&B’s, Industrial, Portfolios
- Save time – Our professional mortgage advisors handle applications, negotiations, and extensive paperwork on your behalf
- Better Interest Rates – Leverage our established lender relationships to secure competitive commercial mortgage rates
- Higher Approval Success – Professional presentation and strategic lender matching increases chances of being approved with UK commercial mortgage lenders
- Owner Occupier Mortgage Solutions – We arrange owner occupier mortgages for those looking to run their own business from the property, with guidance on loan-to-value ratios and deposit requirements
With Fox Davidson you gain access to the entire market while avoiding the time-consuming trial-and-error approach.
How We Work
The commercial mortgage process becomes straightforward when guided by our specialist brokers who understand exactly what different lenders require:
Step 1: Free Initial Consultation Our specialist broker assesses your commercial property needs, business circumstances, cash flow, credit history, and specific requirements. Whether you’re an owner occupier seeking business premises to trade from, or a property investor looking for commercial investment opportunities to rent out, this consultation identifies the optimal finance options for your situation. We help you understand minimum deposit requirements and calculate affordable monthly payments based on the chosen mortgage rate.
Step 2: Lender Matching & Application Using our extensive knowledge of many lenders’ criteria, your Fox Davidson broker identifies suitable UK lenders and prepares professional applications. We manage the entire mortgage application process, from gathering documentation to lender approval and legal completion. This includes presenting your business case effectively, ensuring all documentation meets specific lending criteria, and leveraging relationships with high street lenders and specialist commercial mortgage lenders.
Step 3: Case progression We negotiate the best deal terms, manages valuations and the legal process through to completion. .The typical timeline for UK commercial mortgage completion is 6-12 weeks.
Our Expertise
Fox Davidson offers specialised expertise:
- Regulatory Expertise – As an FCA regulated broker we provide high standards of advice. We are also members of the NACFB.
- Local Market Knowledge – Deep understanding of UK property markets from London commercial districts to Scottish business parks, including regional lender relationships.
- Specialist Lender Network – Established relationships with UK challenger banks, building societies, and private lenders offering unique finance options.
- Sector Specialisation – Expertise across all commercial property types including offices, retail units, industrial premises, warehouses, mixed-use properties, holiday lets, and semi commercial developments.
“Fox Davidson’s commercial mortgage broker saved us £50,000 over the mortgage term by finding a specialist lender who understood our manufacturing sector. The whole process took 8 weeks instead of the months we’d already been struggling with direct applications.”
⭐️⭐️⭐️⭐️⭐️ “Exceptional service from start to finish. Fox Davidson secured a 70% loan to value deal for our retail premises when high street lenders would only offer 60%.
Case Study Success: Semi-commercial, interest only mortgage in Newquay for first time investor.
Fees & Costs
Our professional team at Fox Davidson offer transparent pricing that typically delivers excellent value:
💼 Typical Broker Fees – For commercial mortgages where we receive a commission from the lender we do not charge a fee.
💰 No Upfront Costs – As highly reputable UK advisers we operate on success-only basis, paid on completion of your commercial mortgage. This means our objectives are aligned.
📋 Transparent Pricing – Clear breakdown of lender arrangement fees, legal costs, and valuation charges before proceeding.
We deliver better rates, improved terms, and successful outcomes that direct applications frequently cannot achieve.
Semi-Commercial Mortgages
Semi-commercial mortgages are designed for properties that combine both residential and commercial elements, such as a shop with a flat above or a mixed-use building with business premises on the ground floor and residential units above. Interest rates for semi-commercial are lower then commercial mortgage rates.
Commercial Finance FAQ’s
You may need a commercial mortgage broker if you want expert guidance to navigate complex loan options, secure better terms, or save time finding the right lender for your commercial property financing needs.
Yes, a sole trader can get a commercial mortgage, but eligibility depends on the lender’s criteria. Lenders typically assess the sole trader’s credit history, business income, and the property’s value or rental potential. A deposit of 20-30% is usually required, and some lenders may offer up to 75% loan-to-value. A commercial mortgage broker can help sole traders find suitable lenders and navigate the application process.
A commercial mortgage broker helps businesses secure loans for commercial properties by connecting borrowers with lenders, negotiating terms, and guiding them through the financing process to find the best mortgage solutions.
Yes, commercial mortgage lenders will lend up to 75% loan to value on a commercial property on an interest only basis.
You can get a mortgage typically up to 75% loan to value on a commercial property. Lenders offer fixed and tracker rates. Lenders offer repayment and interest only options.
Yes, commercial mortgage lenders will lend up to 75% or 80% on a semi-commercial property. The lender will factor in rent from both the commercial and the residential elements of the property.
Yes, residential lenders will lend on property above commercial property. Lenders will assess the type of commercial property. Commercial property that emit noise and smells such as restaurants, take-away’s, pubs and hairdressers are less desirable by mortgage lenders who may impose restrictions or not lend at all. Some mortgage lenders will apply a lower loan for a property above commercial premises.
Typical timeline is 6-12 weeks from application to completion, depending on property type, loan amount, and lender . A commercial mortgage broker will usually be able to leverage their lender relationships to progress applications quickly.
A commercial finance broker arranges finance for offices, retail units, industrial premises, warehouses, mixed-use properties.
Yes, commercial mortgage brokers maintain relationships with adverse credit lenders who consider applications from businesses and property investors with credit challenges.
UK commercial lenders loan sizes typically start from £150,000. Maximum loan values can exceed £50M.
You’ll typically need to provide business financial statements, bank statements, proof of identity, a property valuation, a business plan, and details of rental income or lease agreements. A commercial mortgage broker can help you prepare these.
Yes, commercial brokers have access to specialist lenders who provide finance options for foreign nationals investing in UK commercial property.
To qualify for a commercial mortgage, lenders typically require a strong credit history, proof of business income or rental yield, a deposit (usually 20-25% of the property value), and a viable business plan or property investment strategy. Requirements vary by lender.
Yes, you can refinance a commercial mortgage to secure better terms, lower interest rates, or release equity from the property. A broker can help identify suitable lenders from across the market and guide you through the process.
Commercial mortgage interest rates vary based on the lender, property type, and borrower’s financial profile, typically ranging from 6% to 9% (in 2025) or higher for high-risk cases. Fixed and variable rates are available.
Yes, some lenders offer commercial mortgages for auction purchases, but the process is often faster-paced, requiring pre-arranged financing or bridging loans. A broker can help expedite the application.
Common fees include lender arrangement fees (1-2% of the loan), valuation fees, legal fees, and broker fees. Some lenders may also charge exit fees or early repayment penalties.
Yes, commercial mortgage brokers can arrange development finance for property development projects, including new builds or renovations, with loans typically covering up to 100% of the build costs and up to 70% of GDV
Commercial mortgages are designed for business or investment properties, have higher interest rates, shorter terms (5-25 years), and stricter eligibility criteria compared to residential mortgages, which are for personal homes.
Yes, commercial mortgages can be used for buy-to-let commercial or semi-commercial properties, with lenders assessing rental income potential to determine loan eligibility.
If you default, the lender may repossess the property to recover the outstanding loan. A commercial mortgage broker can help find refinancing options to avoid default.
Contact Us
Don’t let complex lending criteria and endless lender research delay your commercial property ambitions. Fox Davidson provide a very high standard of advice, drawing on over 20 years of funding commercial property in the UK.
🔹 Get Your Free Commercial Mortgage Consultation with Fox Davidson 🔹
📞 Call for immediate expert advice 💻 Complete our enquiry form or 📧 Email for a confidential discussion.
💡 No obligation. No broker fees where lenders pay a commission. Just expert guidance and advice.
🔒 NACFB | 20+ Years Experience | Access to all UK Commercial Lenders | Confidential Service
Secure better commercial mortgage deals with Fox Davidson’s professional finance brokers.
