Commercial Mortgages in Welling

Commercial Mortgages in Welling

Finance for Offices, Retail Units, Industrial Sites and Mixed-Use Properties

If you’re looking to buy or refinance a commercial property, the right mortgage setup can make a big difference. We assist clients across Welling, Bexleyheath, Sidcup and surrounding areas with commercial mortgage options that suit their plans — whether you’re an investor, business owner or landlord.

What We Can Help With

Commercial mortgages come in many forms, and lender requirements vary. We provide support with:

• 🏢 Purchasing offices, retail units, warehouses or mixed-use buildings
• 🏪 Mortgages for owner-occupiers or investment purposes
• 🔁 Refinancing existing commercial properties
• 📊 Flexible options for complex income or business structures
• 📄 Guidance on documentation, lease terms, and valuations

We work closely with commercial mortgage specialists who understand the unique requirements of each case.

Who Commercial Mortgages Are For

This type of funding is suitable for:

• Business owners purchasing premises for their operations
• Investors buying commercial property to let to tenants
• Landlords developing or converting mixed-use sites
• Companies refinancing to release capital or reduce costs

Whether the property is vacant, leased or partially let, we’ll help explore your options.

Common Commercial Mortgage Questions

Can I get a commercial mortgage as a limited company?

Yes — many lenders offer commercial mortgage products to LTD companies. We’ll help you explore personal and corporate structures depending on your setup.

How much deposit do I need?

Commercial mortgages typically require a 25–40% deposit. Some lenders may be flexible depending on the security offered and the strength of your business or lease.

Is rental income taken into account?

Yes — if the property is being let, lenders will assess rental income alongside your wider financial position. Lease length and tenant quality may also be considered.

What documents do I need to apply?

This depends on the type of applicant. Most cases require proof of income or business accounts, property details, and projected rental income if applicable. We’ll guide you step-by-step.

Why Local Knowledge Helps

From shops near Welling High Street to office units and light industrial spaces, we understand the local market and which lenders are open to different property types in this area.

Recent cases we’ve supported include:

• Funding for shop with flat above (mixed-use)
• Owner-occupier mortgage for a dental practice
• Refinancing of an industrial unit for capital release

Why Work With Us on Commercial Property Finance

• Flexible solutions for business owners and investors
• Access to lenders that understand local market conditions
• Support with freehold and leasehold properties
• Introductions to commercial finance specialists where needed
• No upfront fees to enquire

We aim to make the process easier — especially for complex cases or unusual property types.

Ready to Explore Commercial Mortgage Options?

Whether you’re buying, refinancing or just weighing up options, we’re here to help. Share a few details and we’ll explain what’s possible for your business or investment plans.

• No pressure or obligation
• No hidden fees
• Just clear, straightforward support