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Commercial Mortgages

Arranging a commercial mortgage can be a complicated, frustrating and immensely time-consuming process. Our experience and strong relationships with lenders enables us to find the right business finance for you, even if you have been turned down by your bank in the past.

We work with our clients to create strong proposals to present to lenders, as unlike home mortgages, business and commercial mortgage rates are not standardised. Each commercial mortgage is priced on the strength of the proposal. As we work closely with clients on the proposals, we can confidently negotiate on your behalf, making strong cases for the best prices.

If you are looking to release some equity, finance new office premises or extend your existing building, we will find the right commercial finance deal for you, whatever industry you are in and whatever age and size your company.

Commercial investment mortgages

If you wish to purchase a commercial property to rent out to profit from the rental income and property value appreciation, we can help you find the best deal available and even help you find the right premises.

Commercial property examples:

Commercial mortgages are available for a wide variety of land and property types.  Here we have listed some of the more recent property types we have secured competitive rates for.

  • Restaurants and cafes
  • Offices and office complexes
  • Convenience stores
  • Retail outlets
  • Factories and warehouses
  • Development Land
  • HMO (houses in multiple occupancy)
  • Nursing and care homes
  • Industrial units
  • Specialist buy to lets for flats under one freehold title
  • Owner occupation commercial mortgages
  • Investment purposes
  • Residential portfolios and Individual buy to let

Bridging Finance

Do you need short-term financing while waiting for a longer-term commercial mortgage to ‘bridge’ a gap between property transactions or relieve short-term cash flow issues?

Whatever you need a bridging loan for, we will find the right finance for you. Due to the short-term nature of bridging finance it can be complicated and significantly more expensive, with higher rates of interest than a normal loan.

Although expensive, they can be invaluable in facilitating a property purchase when banks are slow, previous premises are not sold or when buying at auction.

With banks and building societies having reduced lending since the financial crisis there has been an increase of alternative bridging lenders on the market.

As it is a demand-led market, rates can not only be high, but large legal and administration fees can also be added. We are able to use our experience, expertise and contacts to find you the best bridging loans for your circumstances and ensure you understand the fees, details and implications of the loan.

We predominantly provide bridging loans for landlords, property developers and asset-rich borrowers for investment, buy-to-let and development, but we can help with bridging loans for private individuals if the banks are taking too long to process applications for larger home loans, and you risk losing the purchase.

  • Contact us

    If you would like to arrange an appointment to speak with our mortgage team or if you have any questions, please call 01869 248 339 for our Bicester and London locations, 01865 660 023 for our Oxford location, or email us at

The IMS Property Group is an official authorised member of the National Association of Commercial Finance Brokers (NACFB), a trade body for over 1600 commercial finance brokers and lenders across the UK.

As an NACFB member, we are required to have Consumer Credit Permission, Professional Indemnity Insurance, a Data Protection Licence, and a strong track record with nationally recognised lenders.

  • Request a Mortgage Appointment

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