Buying your own premises is a significant decision for a small business. A commercial mortgage may help finance the purchase or refinance a property you already own, but the borrowing needs to fit your business plans and capacity to repay.
How does a commercial mortgage work?
A commercial mortgage is secured against property. Owner-occupied mortgages relate to premises used by the borrowing business; investment mortgages relate to property let to others. The lender assesses the property and the proposed borrowing alongside the business or rental income supporting repayments.
Look beyond the monthly payment
- How much deposit and cash will be needed for the purchase?
- What arrangement, valuation and legal fees apply?
- Is the interest rate fixed or variable, and what happens when an initial period ends?
- What security, guarantees and early repayment terms are required?
- Will the business retain enough working capital after completion?
Property used as security may be repossessed if repayments are not maintained. A longer repayment term can reduce monthly payments while increasing the total interest paid.
Preparing your enquiry
Have the property details, intended use, purchase price or estimated value and available deposit to hand. Swoop and the lender can confirm the accounts, bank statements, forecasts and other supporting information required for your circumstances.
Putting the decision in context
We can help you consider the effect on the business’s figures and wider plans, and liaise with Swoop where agreed. Detailed forecasts or additional advisory work will be scoped and priced before we start.
Explore your next step
Start an enquiry with Swoop, or contact Greystone for a free initial conversation.
The portal opens on Swoop’s website. Swoop can confirm available products and the appropriate specialist route. An enquiry is not a funding offer.
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Prepared by Greystone Advisory using Swoop product information; reviewed October 2026. General information, not a personal recommendation. Greystone is not a lender. Funding is subject to eligibility, assessment and terms. We may receive commission from Swoop following completed funding. Specialist legal, tax or regulated advice may be needed for your circumstances.
