Commercial & specialist lending mortgages
Mortgage Light is a specialist commercial mortgage broker, with access to a wide range of lenders and specialist products, all tailored to your specific needs.
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FIND THE RIGHT MORTGAGE FOR YOUR BUSINESS
Commercial mortgage advisers serving clients in Milton Keynes and across the UK
Mortgage Light is a specialist commercial mortgage broker, with access to a wide range of lenders and specialist products, all tailored to your specific needs.
When you work with us to arrange your Specialist Mortgage, here’s what you can expect:
- Competitive interest rates and flexible loan terms
- Personalised, expert guidance and support throughout the loan process
- Streamlined application and approval process
COMMERCIAL MORTGAGE SERVICES
How can we help you?
We understand that it can be overwhelming to know which category of mortgage you and your business sit in - that's where we come in! Get in touch with our team to get on track.
Commercial mortgages
As a specialist commercial and residential mortgage broker in the UK, we specialise in connecting our clients with the best financing options for their commercial properties. Our experienced advisers will source the best possible commercial mortgage for your circumstances.
Bridging finance
A bridging loan is a short-term solution when you need to arrange finance quickly in order to purchase land or property.
Development finance
Whether you are a major housebuilder, an experienced developer or looking to finance your first project we can arrange a funding solution for most projects, large or small.
Specialist
buy to let
At Mortgage Light we arrange Buy To Let Mortgages for our valued customers, even under the most difficult of market conditions. Talk to our specialist Buy to Let mortgage advisers to secure the best possible rates and terms tailored to your specific situation.
Asset
finance
Asset financing can be a flexible alternative to taking out a bank loan for the equipment, machinery and vehicles that your business needs to grow.
How we work with commercial clients
In the commercial space, Mortgage Light understands that with the partnership of HCF, a commercial mortgage can be for an occupier, i.e. your business is looking to trade from the premises. Or, you may require the commercial space to let out as an investment to other companies.
When it's owner-occupier, the underwriting is looked at based on the business operation. Lenders will assess the trading business itself and apply different risk bands depending on your sector. Terms vary depending on the product, the repayment structure, and the nature of the business.
Case study: A smarter way to secure the right finance
One of our clients wished to purchase a commercial unit, but the numbers didn’t stack up on paper. The client was insistent on making the acquisition, so instead of a straightforward purchase, we structured the deal differently.
We helped business A buy business B and inherit all of the assets, including the building, as part of a share purchase. This reduced the stamp duty liability significantly and meant the vendor was able to benefit from entrepreneurs’ relief. Because the purchase was structured as shares rather than assets, the result was a win-win for both buyer and seller.
This is the kind of strategic thinking that comes from understanding not just mortgages, but businesses too.
💡 Working with the leading lenders in the whole of market...
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Frequently asked questions
Got a question? It might be answered here. You can also head over to our FAQ page to read more of our frequently asked questions.
What is a commercial mortgage and how does it work?
A commercial mortgage is a loan used to buy or refinance commercial property, such as offices, shops, warehouses, or mixed-use buildings. It works like a residential mortgage but typically involves larger amounts, different lending criteria, and usually shorter terms. Commercial property can also be an investment where the lenders will want to see that the rental you’ll receive covers the mortgage + stress tests.
How are commercial mortgage interest rates set?
Rates are influenced by the lender’s base rates, your creditworthiness, property type, loan size, and market conditions. Commercial mortgage rates are usually higher than residential ones.
Who is the best lender for commercial mortgages?
The best lender depends on your specific needs, property type, and financial situation. We work with a wide range of specialist lenders, including high-street banks and commercial finance providers, to find the best fit for you.
What’s the difference between a commercial mortgage and bridging finance?
Commercial mortgages are long-term loans used for purchasing or refinancing commercial properties. Bridging finance is short-term funding designed to ‘bridge’ gaps, often used for quick purchases or renovations before refinancing.
SEE WHAT OUR CLIENTS HAVE TO SAY...
Testimonials
HOMEOWNERSHIP FOR EVERYONE.
10 ways first time buyers are getting on the property ladder
As a first-time buyer, there are a number of mortgage products designed to help make homeownership more accessible - particularly if you’re struggling to build up a large deposit.
Low deposit mortgages
Where some lenders will accept deposits as low as 5%, depending on your credit profile and income.
Higher income multiples
Available to applicants with strong rental histories, a high salary, or professional qualifications, often more accessible when you have a larger deposit
Cashback mortgages
A fixed sum back upon completion to help with initial costs - normally linked to new build homes.
Shared ownership
Where you buy a share of a property and pay rent on the remainder – with the option to purchase more shares over time.
Builder or developer incentives
Often offered on new-builds to reduce your upfront costs - there are often ways to work directly with the developer to tailor the deal and explore additional mortgage options.
Joint borrower, sole proprietor mortgages
Sometimes called “income booster” - allowing a parent or family member to support your income without being named on the property
Zero deposit (100%) mortgages
Available in specific circumstances – such as where you've been renting for a period of time and can show a consistent payment record. These are subject to stricter eligibility criteria and affordability checks.
Looking to get more information on your first mortgage?
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Straight talking mortgage advice.
We make this easy for you. Simply contact us to arrange to come in and discuss your needs. If you’re pushed for time, call one of our expert advisers and we will be able to go through your options in a quick chat over the phone.