Commercial Loans in London
If you're refinancing a London commercial holding to release equity, fund another purchase or extend the term, we'll benchmark current pricing against the whole market before you commit. Most clients are surprised what's possible.
Local context
Why London is a market we know
Prices are higher and competition is sharper, so deals move on speed and structure. Mixed-use stock, period conversions and prime office space dominate, and lenders pay close attention to covenant strength and exit clarity. London itself anchors a metropolitan core market, with activity concentrated around Canary Wharf, City of London, Stratford.
Structures we arrange
Commercial Loans options for London
Owner-occupier mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Investment mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Semi-commercial
Typical size £150k – £15m; timeline 6–10 weeks.
Portfolio refinance
Typical size £150k – £15m; timeline 6–10 weeks.
"Floyd's experience shows. He matched us with the right lender first time and held our hand through completion. We'd been quoted twice as long elsewhere."
Typical London use cases
- Portfolio refinance to release equity
- Regulated bridging on prime residential
- Development exit finance
- Refinance of expiring fixed-rate commercial
Nearby areas we cover
Commercial mortgages across the Greater London area
We arrange commercial loans for clients across London and the surrounding towns, typically within a short drive of the M25 corridor.
London FAQs
Common questions about commercial mortgages in London
Are interest-only mortgages available?+
Yes — interest-only is widely available on commercial investment, less so on owner-occupied. Term and exit conditions vary.
What if my deal sits below £150k?+
Some lenders go lower, but pricing is rarely attractive. We'll be honest if your deal is too small for sensible commercial lending and suggest alternatives.
What about lease length?+
Short unexpired leases compress LTV and shorten loan term. Long FRI leases support full leverage. We'll talk through your lease profile early.
Can charities or trusts borrow?+
Yes — specialist lenders cover charity, trust and not-for-profit lending. Pricing and structure differ from mainstream commercial.
Can I switch lender on completion of works?+
Yes — many investors take development finance to PC then refinance onto cheaper term commercial. We'll line up both stages.
What is a portfolio mortgage?+
A single facility covering multiple properties — often cheaper than individual mortgages, and more flexible when adding or selling stock.
In summary
Next steps for London
London is a market we know well, and commercial loans is a product we arrange routinely across Greater London. The pages on this site set out the broad shape — but every deal is different, and the only way to know what's actually possible is to talk through the specifics. Get in touch when you're ready.
Working in or around London?
We cover London, Reading and the wider Greater London market with the same speed and the same panel.