FINANCE OPTIONS

Commercial Mortgage Ireland - Get a Quote Today

Commercial Mortgage Ireland refers to mortgage finance secured against business property, designed for UK SMEs wanting to purchase, refinance, or expand premises. A commercial mortgage allows your business to own property, potentially increase asset value, and offers an alternative to renting. This type of finance is a strategic choice for those seeking long-term stability and control over their operational space. With the ability to secure significant funding based on property value, it’s a popular solution for growth, investment, and cash flow management across a range of business sectors.

Commercial Mortgage

Secure up to £1,000,000 in Commercial Mortgage with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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Key Benefits of a Commercial Mortgage

Commercial mortgages offer property ownership with long-term payment certainty, backed by a substantial asset. Typical rates range from 2% to 7% APR, affected by factors like property type and credit strength. Decisions generally take 4 to 15 weeks, with funds available shortly after approval. These benefits make commercial mortgages a practical option for businesses planning ahead.

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Flexible financing options
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Property investment opportunities
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Competitive interest rates

SCALE YOUR BUSINESS TO NEW HEIGHTS

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Types of Commercial Mortgages

Owner-Occupied Commercial Mortgage

For businesses seeking to purchase premises for their own use. Eligibility relies on trading from the property, a good credit history, and solid financials. Loan amounts typically range from £50,000 to £10 million, over 60 to 300 months.

Owner-Occupied Commercial Mortgage

An owner-occupied commercial mortgage helps your business buy a property to operate from directly. The application process involves property appraisal and financial assessments, usually taking between 4 to 12 weeks. With interest rates around 2.5% to 6% APR, it gives SMEs stability, cost control, and a valuable business asset. Sectors include retail, manufacturing, and office-based firms.

Investment Commercial Mortgage

Designed for businesses buying property to lease to tenants, not for direct use. Requires a strong deposit, typically 20-30%, and reliable projected rental income support. Usual borrowing from £100,000 upwards.

Investment Commercial Mortgage

Investment commercial mortgages are for acquiring property to let to other businesses. Lenders assess tenant quality and forecasted rental income, with rates between 3% and 7% APR. Funds from £100,000 up to £25 million are available, terms spanning up to 25 years, and applications often take 6 to 15 weeks. Sectors include offices, retail parks, and industrial complexes.

Refinance Commercial Mortgage

Supports businesses wanting to switch lenders, reduce costs or release equity. Eligibility depends on property equity and a good repayment record. Loans start at £100,000, for terms up to 300 months.

Refinance Commercial Mortgage

Refinance commercial mortgages allow you to renegotiate loan terms for improved cash flow or access capital for new projects. The process includes reviewing the current mortgage and property valuation, with typical approvals in 3 to 10 weeks. Rates vary from 2% to 6.5% APR, helping with cost management or business restructuring.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

How to Get a Commercial Mortgage with Funding Agent

Complete Online Form

Provide your business details and property information for an initial assessment through our straightforward online application form. This helps us match you with suitable lenders quickly.

Submit Documents

Upload your financial statements, credit history, and property appraisal documents. Accurate documentation helps speed up your application and improves your chances of approval.

Review Offers

Compare tailored mortgage offers from our panel of lenders. Choose the option that best fits your business, and finalise the process with expert support from Funding Agent.

Get Funding For your business

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

What is the typical borrowing range for a commercial mortgage?
How long does approval take for a commercial mortgage?
What are the main types of commercial mortgages available?
Are commercial mortgages regulated in the UK?

DIVE DEEPER

August 1, 2025

Top Commercial Mortgage Lenders in the UK

Discover the best commercial mortgage lenders for UK SMEs in 2025. Compare rates, LTVs and turnaround times from high‑street banks and challenger specialists.
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Which Financing Is Best for Short-Term Business Needs?

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June 6, 2025

Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

Compare the top 13 short-term business loan providers in the UK for 2025. See interest rates, loan terms, funding speeds, eligibility criteria, and reviews to find the best fit for your business.

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