0800 520 0108
Independent Mortgage Advisers

COMMERCIAL MORTGAGES

Independent commercial mortgage advice tailored to your business goals

Commercial mortgage solutions for business owners, investors and property professionals, with advice shaped around your plans, property type and funding requirements.

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Commercial mortgage advice for investors and business owner-occupiers

Whether you are buying work premises, refinancing an existing property, investing in commercial real estate or funding a business-related property transaction, Blueberry Mortgages can help you source suitable commercial mortgage options from a broad range of lenders.

Our advisers understand when a high street bank may fit the case and when a specialist lender may be more appropriate. We provide clear, practical support from the initial enquiry through to credit sanction and completion, helping you move forward with confidence.

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Overview

Commercial mortgage rates are not standardised in the same way as residential or buy to let mortgages. Instead, each case is typically priced according to the strength of the proposal, the property, the borrower profile and the lender’s assessment of risk.

Commercial mortgages may be available up to 80% of the property value in some cases, and business goodwill can also be funded for certain sectors.

We outline the best available terms for your circumstances, then manage the process from enquiry to full credit sanction and through to completion.

Commercial mortgages can be considered for individuals, partnerships and limited companies, including situations where the property is owned by, or purchased in the name of, directors and rented to their trading company.

NACFB

Blueberry Wealth Limited is an approved member of the National Association of Commercial Finance Brokers (NACFB).

  

National Association of Commercial Finance Brokers (NACFB)

 

How we can help

Blueberry Commercial has the experience and lender relationships to support a wide range of cases, whether you are a first-time commercial borrower, an experienced investor, a start-up or a business looking for cashflow finance.

Commercial Mortgages   We help businesses buy their trading premises
     
Commercial Mortgages   We help with remortgaging to expand, refinance or purchase a trading business
     
Commercial Mortgages   We help investors purchase and refinance commercial property

Call Blueberry Mortgages today on ​0800 520 0108

Our Lenders

We work with a range of UK commercial lenders, including some that do not offer their products directly to customers and are only available through brokers.

Areas we specialise

Our Services
Commercial mortgage for property acquisition or refinance

Whether you are buying premises for your business, refinancing an existing commercial property or releasing retained equity for business purposes, we can help you explore suitable lender options and competitive terms.

Our Services
Finance for self build or large commercial development

Development cases often need more specialist planning and lender knowledge. We can help you understand potential funding routes for self-build and larger commercial development projects, including cases that need more bespoke support.

Our Services
Limited company buy to let or HMO investment

We also help clients with specialist property finance, including limited company buy to let and HMO investment cases. If you are planning a purchase, refinancing or even preparing for an auction purchase, we can help you understand the likely lending options available.

Our Services
Cashflow and business finance solutions

If your business needs a more flexible funding solution, we can help you explore cashflow and business finance options tailored to your requirements, using our network of lenders and specialist funding contacts.

About Blueberry Commercial

Blueberry has a team of telephone and field based mortgage consultants who can operate throughout the UK, helping you from your place of work or in the comfort of your own home. We can also provide a visit from one of our consultants in person if you prefer.

Independent and Full Market
We can recommend mortgages from multiple lenders, including those not available on the high street. We work closely with lenders and use our market knowledge to help identify suitable options for each case.

Experienced
Our consultants and administrators have years of experience and are trained to high standards. This helps us provide effective support when sourcing the right mortgage solution for your needs.

Personal and Bespoke Solutions
Every client has different circumstances and objectives. We take the time to understand what you want to achieve so we can provide a service that is both efficient and personable.

Experts
We understand the complexities and changing nature of the mortgage market and how to assess individual circumstances to find the best match of product and provider for you.

Projects we have undertaken

Case Study 1
Case study 1
Social housing landlord in Bristol, refinancing an existing portfolio and structuring new acquisitions.
Case Study 2
Case study 2
Multi-million pound facility to regenerate a Grade I listed mansion and support a new build scheme in Berkshire.
Case Study 3
Case study 3
£1.2m commercial development finance arranged for a Lyme Regis based developer.

Common commercial mortgage questions, answered

What is a commercial mortgage?

A commercial mortgage is a loan secured against a property used for business purposes or commercial investment. It can be used by owner-occupiers buying their premises, investors buying commercial property or borrowers refinancing an existing commercial asset.

Who can apply for a commercial mortgage?

Commercial mortgages can be available to a range of applicant types, including individuals, partnerships and limited companies. Some cases also involve a property being owned personally by directors and rented to their trading company, subject to lender criteria.

How are commercial mortgage rates assessed?

Commercial mortgage rates are not usually standardised in the same way as residential mortgages. Instead, lenders often price each case individually based on the strength of the proposal, the property, the business background, deposit, affordability and overall risk.

How much can I borrow on a commercial mortgage?

Borrowing levels vary by lender and case, but commercial mortgages may be available up to 80% of the property value in some circumstances. Business goodwill can also be funded in certain sectors, depending on the proposal and lender criteria.

Can Blueberry Mortgages help with commercial refinance and business finance?

Yes. Blueberry Mortgages can help with commercial remortgages, refinance for expansion, trading business purchases, commercial investment and wider business finance requirements, including some specialist cases.

Why use Blueberry Mortgages for a commercial mortgage?

Blueberry Mortgages offers independent advice, access to a broad range of lenders and UK-wide support by phone, video call and in person where appropriate. Blueberry Wealth Limited is also shown on this page as an approved member of the National Association of Commercial Finance Brokers.

If you prefer to contact us online please use our enquiry form
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED UPON IT.


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Our Terms

Our charges are based on the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain what you will be charged before you decide to proceed with an application.

As we offer a personalised service our fees can vary but they are only charged to you once we have undertaken the agreed work. We are a credit broker, not a lender.

Typically we charge an application fee of £295, however, this fee is only charged once your mortgage has been agreed in principle with the recommended lender.

Once your mortgage offer is issued we charge a broker fee of £495. If your circumstances are more complex, we may charge a higher fee. Our maximum fee is 2% of the loan value. We may earn a commission from the lender; this amount varies between lenders.

These fees apply to regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

Contact details

​0800 520 0108

info@blueberrymortgages.co.uk

Head Office:
Blueberry Mortgages
5A Widcombe Street
Poundbury
Dorchester
DT1 3BS

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Blueberry Mortgages is a trading style of Blueberry Wealth Limited, which is authorised and regulated by the Financial Conduct Authority, our FCA registration number is 626661. Blueberry Wealth Limited is registered at Companies House, our company number is 08722345, our registered office address is 5A Widcombe Street, Poundbury, Dorchester, DT1 3BS. The Financial Conduct Authority does not regulate some investment mortgage contracts. Calls may be recorded for training and compliance purposes. ICO registration ZA081458.

Blueberry Wealth Limited is an authorised credit broker and not a lender. We work with an unrestricted number of Lenders. We will receive commission from lenders. Different lenders pay differing amounts depending on their commission models. For transparency, we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business) amend with the applicable/ appropriate commission models. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

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