Every rent payment builds your landlord's equity. A commercial mortgage lets you own your premises, build long-term wealth, and lock in occupancy costs that do not jump when your lease comes up for renewal.
£250K-£50M · 5-25 Years · soft search only
Commercial property finance enables your business to purchase, refinance, or renovate the premises where you operate, or to invest in commercial property as a revenue-generating asset. For business owners currently paying rent, buying your premises is one of the most powerful long-term financial moves available: you convert a monthly expense into equity, lock in your occupancy costs, and create an asset that appreciates over time while your competitors face rising rents.
Granton Hale Capital connects businesses with commercial property finance from £250K to £50M for every property type, office buildings, retail units, industrial warehouses, mixed-use developments, medical facilities, and residential investment blocks. We work with a network of conventional lenders, specialist commercial mortgage providers, and private capital sources to match your deal with the optimal structure based on property type, loan-to-value requirements, and your business profile.
Our property team has facilitated thousands of transactions and understands that commercial property deals move on their own timeline, valuations, environmental searches, legal due diligence, and planning checks all add complexity. We streamline the process by pre-qualifying your deal, coordinating third-party reports, and keeping all parties aligned. For time-sensitive acquisitions, we can also arrange bridge finance to secure the property while the long-term mortgage completes.
Amount £250K-£50M · Term 5-25 Years
Every mortgage payment builds ownership equity in an appreciating asset. Over 10-15 years, you will own a property outright, an asset that can be sold, let, or borrowed against. Rent payments build nothing.
A fixed-rate commercial mortgage means your occupancy cost stays the same for the life of the loan. No more rent rises, lease renegotiations, or the risk of being displaced by a landlord who sells the building.
Many owner-occupied commercial properties have more space than the business needs. Let out the spare space to generate rental income that offsets your mortgage payment, in many cases covering it entirely.
Commercial property ownership can bring meaningful tax advantages, mortgage interest is generally deductible as a business expense and capital allowances may be available on fixtures and integral features. Speak to your accountant for specifics on your situation.
Commercial rents in most markets have increased 30-50% over the past decade. A business paying £8K a month in rent a decade ago may now face £12K or more, a £48K annual increase that goes entirely to the landlord. Ownership freezes this cost.
When your lease expires, the landlord can raise the rent dramatically, refuse to renew, or sell the building to a buyer who wants the space. Businesses that have invested hundreds of thousands in fit-out face losing everything.
Commercial mortgages involve valuations, environmental searches, title checks, planning verification, and extensive financial documentation. Without experienced guidance, the process can stall for months or result in unfavourable terms.
Commercial mortgages typically require a 20-30% deposit, which on a £2M property means £400K-£600K. We help identify the lowest-deposit option available for your specific situation and structure the deal accordingly.
An accountancy practice with 25 staff purchases a £1.8M office building with a commercial mortgage, lets the second floor to a law firm for £6K a month, and their total occupancy cost drops below what they were paying in rent.
A distribution company outgrowing their leased warehouse purchases a £4.5M, 50,000 sq ft industrial facility with a commercial mortgage. The larger space accommodates £2M in additional annual revenue capacity.
A group dental practice with 4 dentists purchases a £3.2M building with the right medical planning use to consolidate two leased sites, improve patient experience, and eliminate £22K a month in combined rent.
A business owner with a successful restaurant purchases a £2.8M retail parade, occupying one unit for their restaurant and letting 4 other units to tenants. Net rental income covers the mortgage and generates £4K a month in additional profit.
A manufacturing company needs to complete on a £6M factory within 30 days (the seller's requirement). Granton Hale Capital arranges a 12-month bridge loan to acquire the property, which is refinanced into a 20-year commercial mortgage within 90 days.
A business owner with £1.5M in equity in their commercial property refinances with a new commercial mortgage, releasing £600K in cash to fund a second business location while locking in a lower interest rate than their original loan.
We finance virtually every type of commercial property: office buildings, retail units and parades, industrial warehouses, manufacturing facilities, medical and dental practices, mixed-use properties, residential investment blocks (5+ units), self-storage facilities, vehicle repair centres, and more. Special-purpose properties like petrol stations, car washes, and hotels are also eligible through specialist programmes in our network.
Deposit requirements vary by programme and property type. Owner-occupied commercial mortgages typically require 20-25% down. Investment properties (not owner-occupied) generally require 25-30%. We analyse your specific situation to find the lowest-deposit option available across our network.
Commercial mortgages typically complete in 45-60 days, including valuations, environmental searches, legal work, and final underwriting. If you need to move faster, we can arrange bridge finance that completes in 2-3 weeks, which you refinance into a permanent commercial mortgage afterwards.
Yes, and this is actually one of the smartest strategies in commercial property. Many owner-occupier programmes allow you to let spare space to tenants, with the rental income strengthening your affordability. Pure investment properties are also eligible, though they may require a larger deposit and carry slightly different rate structures.
We arrange facilities that include renovation costs built into the finance. The total amount covers both the purchase price and the renovation budget, released in phases as milestones are completed. This means you do not need separate finance for the purchase and the fit-out.
The general rule is: if you plan to be in the same location for 5+ years, buying almost always wins. You build equity, lock in costs, gain tax benefits, and create an asset you can sell or let. However, if your business is growing rapidly and may need a very different space in 2-3 years, leasing provides flexibility. We can run the numbers on your specific situation, rent versus own, to help you make a data-driven decision.
30-second application. No hard search. Decisions in as little as 3 hours.