Commercial Mortgages For Offices

Looking to buy or refinance an office building?

Welcome to Momentum Mortgages – your commercial mortgage broker specialists

Based in Sevenoaks, Kent and serving clients throughout London and the whole of the UK

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By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

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At Momentum Mortgages, we understand the office market and the finance behind it – from small serviced units to large-scale multi-tenanted buildings.

Whether you’re purchasing space for your own company or investing in offices to lease to others, we’ll help you find the right commercial mortgage to support your goals.

Whether you’re acquiring your first commercial property or adding to an existing portfolio, having the right funding in place is essential.

At Momentum Mortgages, we specialise in helping business owners, property investors, and developers find mortgage solutions that match their needs.

Our expertise ensures that you access the most suitable lenders, competitive rates, and a straightforward process, saving you time and effort.

A commercial mortgage for office space is a loan secured against a property used for business administration or professional services. It’s suitable whether you plan to operate from the premises yourself or rent it out to tenants.

  • Owner-occupiers: You run your business from the office
  • Investors: You rent the space to other businesses
  • Single-office units or floors
  • Multi-storey office blocks
  • Business parks
  • Converted residential to office use
  • Serviced or flexible office spaces
  • Offices with planning consent for change of use (e.g., to residential or mixed-use)
  • Buying a new office for your own business
  • Refinancing an existing office property
  • Raising capital to reinvest in your company or property portfolio
  • Purchasing through a limited company or pension (SSAS/SIPP)
  • Buying vacant premises to renovate or convert

Loan sizes typically start from £50,000 and go into the millions for larger commercial properties. Lenders usually offer up to 75% of the property’s value, and more may be possible with additional security or strong financials.

We’ll help you explore your options and find a lender that matches your business or investment profile.

Lenders assess commercial office mortgages on a case-by-case basis, but they’ll usually consider:

  • Your business’s trading history and profits (if owner-occupied)
  • The tenant’s covenant and lease length (if investment)
  • Property location and condition
  • Future use and planning permissions
  • Loan-to-value (LTV) ratio
  • Your credit profile and experience

 

If you’re buying through a limited company or want to explore interest-only options, we’ve got lenders who specialise in exactly that.

Why Momentum Mortgages?

Office mortgages can be tricky to navigate – especially in a changing market. That’s where Momentum come in.

We take the time to understand your goals and find a solution that works for you, not just the lender.

Market Access

Whole of market access to specialist and high-street lenders

Our Support

Support with limited company, SPV, and pension purchases

No Jargon

Clear, straightforward advice (with no jargon)

Help Throughout

End-to-end service from application to completion

Let’s talk about your office mortgage

Need help financing your next office purchase or refinance? We’ll guide you through every step.