Expand your business through a commercial lending mortgage

Whether you’re expanding or deciding on the official first location for your business, we’ll help you find the most suitable commercial lending deal to suit your needs.

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How we can help with your Commercial Lending:

Get the most suitable rates for any commercial purpose

With unrestricted access to multiple lenders and our in-depth understanding of the market, we can offer unbiased advice as well as recommendations tailored to you and the needs of your business.

Residential investment

We’ve helped multiple investors secure commercial lending mortgages for their HMO properties thanks to our long standing relationships with leading specialist lenders in the market.

Securing your commercial premises

Owning the property your business operates out of offers enhanced business stability. Our thorough market knowledge and specialist advice is your most suitable asset when it comes to securing the loan to get you there.

Let us find a Commercial mortgage for you

Speak to one of our friendly advisers today, and download your credit report via 'Check my file', to kick start the process.

Product FAQs:

The primary difference between a commercial mortgage and a personal mortgage lies in their intended purpose. A commercial mortgage is used to purchase business property or land, while a personal mortgage is meant for buying a residential home. Additionally, commercial mortgages often involve larger amounts, as the size or value of the property or land associated with business transactions tends to be greater than that of residential properties.

In summary, the main distinction between a commercial mortgage and a personal mortgage is the purpose they serve, with the former being used for business properties and the latter for residential homes. Commercial mortgages also generally involve larger loan amounts due to the size or value of the properties involved.

Commercial mortgage lenders focus on the business’s income and its ability to repay the loan when evaluating loan applications. This involves reviewing the business’s past accounts, current performance, and projected future income. When applying for a commercial mortgage, you may be asked to provide a comprehensive business plan and detailed accounts to help the lender assess your business’s financial stability and repayment capacity.

In summary, commercial mortgage lenders primarily look at the business’s income, past performance, and future earning potential to determine its ability to repay the loan. Applicants may need to submit a business plan and detailed accounts to support their application.

Yes, it is possible to obtain an interest-only commercial mortgage when purchasing a property for your business. This type of mortgage allows you to pay only the interest on the loan each month, rather than making payments toward both the interest and the principal amount. Interest-only commercial mortgages can offer lower monthly payments compared to capital repayment mortgages, providing businesses with more flexibility in managing their cash flow.

In summary, interest-only commercial mortgages are available for businesses looking to purchase property, offering an alternative to capital repayment mortgages with potentially lower monthly payments.

What our customers think:

Kashif SharifKashif Sharif
15:32 22 Sep 23
The team at Hearthstone Mortgages recently managed my re-mortgage. Their service was very professional, swift, and ultra efficient. I am absolutely delighted with how the process went from start to finish, and I would highly recommend doing business with them.
Gary CorbettGary Corbett
18:08 15 Sep 23
Incredible service and advice from start to finish. When you work with Ajay you feel that your deal matters to him as much as it matters to you.A great addition to any power team, I look forward to working with Ajay on our next project.Highly recommend!
Sandra BSandra B
13:45 31 Aug 23
Best experience with a mortgage broker in a long time. Very responsive and reliable. Special thanks to Jordanne, highly recommend them!
Lee TomlinsonLee Tomlinson
22:33 30 Aug 23
I've worked with Hearthstone Mortgages on a number of occasions and have a great relationship with them. They have found me some great deals and communication is great whenever I need support. We'll certainly work together in the future.
Joe NewmanJoe Newman
17:20 22 Aug 23
Had an excellent experience dealing with both Ajay and Nadine who assisted my limited company with a remortgage and purchase at the same time. Would highly recommend and will definitely use again in the future.
joey awaritefejoey awaritefe
20:38 17 Aug 23
Hearthstone Mortgages were great at supporting us with first getting a bridging loan, and then securing a buy to let mortgage.Ajay was able to provide guidance throughout the processes and Nadine was always on hand to ensure things were ticking along and to answer any queries.
Jason EdgeJason Edge
22:04 16 Aug 23
Used Hearthstone for the first remortgage in our portfolio. Jordanne was very helpful through the whole process and a pleasure to work with. In you need advice or a mortgage of any kind I would highly recommend them. Thanks again
Jamie BoxallJamie Boxall
11:07 16 Aug 23
We have been working with hearthstone now for two years.The team are incredible at what they do they take time to understand your case and really work to get your the right product for you.I strongly recommend Ajay and his team to any investors or for your own residential purchase
Conor HarrisonConor Harrison
18:38 21 Dec 22
Second time I've worked with Ajay at hearthstone and won't be the last! An expert in his field and delivers such a personable and professional service, thanks for everything!
King Panda PropertiesKing Panda Properties
08:12 03 Dec 22
Excellent knowledge, systems and client care, Hearthstone Mortgages has it all!In particular, a portfolio owner herself, Mortgage Advisor Jordanne deserves a special mention. From Day 1 her understanding and attention to my client needs has been outstanding and she is an absolute asset to the business and company owner, Ajay.I wholeheartedly recommend using Hearthstone based on my experiences, be it a private mortgage, BTL, portfolio etc. I will certainly be continuing to use them going forward. Thanks, Jordanne. KPP
Simon CharnockSimon Charnock
17:46 14 Sep 22
Great communication throughout, excellent service, always happy to help and advise making the remortgage of a HMO property very straight forward.Thanks Ajay and teamSimon @ C&W Homes
Carys GreenCarys Green
18:15 11 Jan 22
I can’t fault the service i received for my remortgage. Other advisors were put off with my slightly complicated situation however Ajay made the whole process easy and completely seamless. He also went above and beyond to push forward to completion whilst he was on holiday.Thanks for all your help and looking forward to working with you again in the future.
Dessi DonchevaDessi Doncheva
16:21 13 Mar 21
Couldn't thank Ajay from Hearthstone Mortgages enough for his support, professionalism and responsiveness! Ajay pretty much held our hands through the purchase of our first investment property, guiding us through the process, explaining every detail I questioned on the mortgage documents and doing his best to speed up the purchase at a time when solicitors and lenders were being inundated with work and slowing things down. When our mortgage offer expired, Ajay got right on it and even got us a better rate! Not to mention, he was even chasing our solicitors and escalated the case internally as the solicitor handling our case wasn't very on top of things, so Ajay got them changed, leading to the purchase completing within a few weeks afterwards. All of this for a very fair price - what you pay is much less than what you get! Thoroughly recommend Ajay and the team and will be using them again in the future for sure!
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