Commercial Mortgages for Shops & Retail Units
Welcome to Momentum Mortgages – commercial mortgage broker specialists
Based in Sevenoaks, Kent and serving clients throughout London and the whole of the UK
Whether you’re buying a high street shop, opening a local convenience store, or investing in retail property, getting the right mortgage is key.
A commercial mortgage for a shop or retail unit is used to buy or refinance a property that’s primarily used for retail purposes. This could be anything from a corner shop to a boutique clothing store or a larger high street premises.
These mortgages are typically used by:
If you’re looking at a property that’s part commercial and part residential, a semi-commercial mortgage may be a better fit. Learn more about semi-commercial mortgages.
Lenders typically offer up to 75% of the property’s value, though this can vary depending on the strength of the business, your experience, and the property type. In some cases, higher lending may be possible with additional security or a strong track record.
Loan amounts usually start from £50,000 and can go well into the millions for larger portfolios or prime retail sites.
We can help with both – and if your situation is a bit more complex (for example, buying through a limited company or pension scheme), that’s no problem either.
We’re specialists in commercial and semi-commercial lending. Our advice is always tailored to your goals, whether you’re buying for investment, occupation, or a bit of both.
We work with a wide panel of lenders, including high street banks, challenger banks, and specialist lenders – many of whom only work through brokers like us.
Why Momentum?
Retail property is its own niche, and not every broker understands it. We do. Whether it’s your first commercial purchase or one of many, we’ll guide you through the process, explain your options clearly, and find a deal that works for you – not just the lender.
Let’s talk about your shop mortgage
Want to explore what’s possible?
We’d love to help.
Schedule a consultation today and take the next step with confidence.
