Commercial Mortgages at BEMS: Your Complete Guide for Business Growth & Property Investment

A commercial mortgage is long-term finance used to buy or refinance property for business or investment purposes. At Bains Express Mortgage Solutions (BEMS), we help small businesses, landlords, and investors secure flexible, competitive commercial mortgages across Ilford, Redbridge, and East London. You can finance offices, shops, warehouses, mixed-use properties, investment units, and more. With expert guidance, transparent pricing, and access to trusted UK lenders, BEMS makes commercial finance simple, practical, and growth-focused.

What Is a Commercial Mortgage?

A commercial mortgage is a loan secured against a property that is used for business purposes. Unlike residential mortgages, commercial mortgages are tailored to business needs, cash flow, and long-term plans. They can be used to purchase, refinance, or release equity from commercial premises.

Common Uses for Commercial Mortgages

Commercial mortgages are often used for:

• Buying premises for your business

• Purchasing investment or rental units

• Refinancing an existing commercial loan

• Funding expansions or relocations

• Releasing equity tied up in property

• Buying mixed-use or semi-commercial property

How Do Commercial Mortgages Work?

Much like a residential mortgage, the lender provides funds secured against the property. However, commercial mortgages differ in a few key ways:

• Interest rates are based on business strength, experience, and credit profile

• Loan terms can range from 3 to 30 years

• Funding amounts depend on property type and business affordability

• Underwriting is more flexible and tailored to individual business needs

Commercial mortgages are ideal for business owners and investors who want long-term property security and stable monthly repayments.

Why Choose a Commercial Mortgage Instead of a Business Loan?

A traditional business loan may be useful for short-term needs, but when it comes to property, a commercial mortgage typically offers better rates, higher borrowing amounts, and longer repayment terms.

Benefits at a Glance

Feature	Commercial Mortgage	Business Loan
Loan Term	Up to  30 years	1-7 years
Loan Amount	Higher	Lower
Interest Rate	Lower	Higher
Secured Against Property	Yes	Not always
Ideal For	Property purchases & refinancing	Short-term cash flow needs

If your goal involves purchasing or refinancing property, a commercial mortgage is almost always the more cost-effective option.

How Bains Express Mortgage Solutions (BEMS) Supports Your Commercial Property Plans

At BEMS, we specialise in helping business owners, landlords, and investors secure the right commercial mortgage with minimal stress and maximum clarity. Our team works closely with lenders across the UK to negotiate competitive rates and flexible terms suited to your business goals.

What BEMS Offers

1. Commercial Mortgages for Small Businesses

Yes, we provide commercial mortgage solutions specifically tailored for small businesses. Whether you're a startup, a growing business, or an established company looking to expand, we help you secure:

• Affordable monthly repayments

• Flexible terms

• Suitable funding amounts

• Expert guidance throughout the process

Our services cover clients in Ilford, Redbridge, East London, and across the UK.

2. Access to a Wide Range of Commercial Lenders

We work with trusted high-street banks, specialist lenders, and private lenders. This gives you access to:

• Better rates

• More flexible approval criteria

• Tailored finance options

• Faster decisions

3. Transparent Advice Without the Jargon

We break everything down in simple, honest, and straightforward language so you always know:

• What you’re applying for

• What it will cost

• Whether it suits your business plans

• How the repayment structure will work

4. Support for All Types of Commercial Properties

BEMS can help finance a wide range of properties, including:

• Offices

• Retail shops

• Warehouses & industrial units

• Mixed-use buildings

• Buy-to-let business units

• Investment properties

We tailor the mortgage to match your income, property type, business model, and long-term goals.

5. End-to-End Guidance from Application to Completion

We handle:

• Application preparation

• Reviewing your documents

• Communicating with lenders

• Negotiating rates and terms

• Coordinating with solicitors

• Ensuring a smooth completion

You get complete peace of mind knowing specialists are managing the process.

Where Commercial Mortgages Make the Most Impact

Financing Offices, Shops, and Retail Units

If you're buying the premises your business operates from, a commercial mortgage can help you:

• Build your own equity

• Reduce long-term rental costs

• Stabilise your business location

• Strengthen financial stability

BEMS helps businesses across East London secure affordable funding for offices, salons, restaurants, and retail spaces.

Warehouses, Industrial Units, and Storage Property

For businesses that require physical space for stock, equipment, or logistics, commercial mortgages can be a cost-effective long-term solution.

BEMS helps you obtain funding that aligns with your operational and cash-flow needs.

Commercial Investment & Buy-to-Let Units

Commercial investment properties often deliver strong rental yields.

We support investors looking to buy:

• Industrial units

• Shops with flats above

• Multi-unit buildings

• Long-lease commercial premises

You get flexibility, choice, and expert support analysing the rental potential and long-term value.

Refinancing for Better Rates or Cash Flow

Many clients use commercial mortgages to refinance existing loans and unlock benefits like:

• Lower monthly repayments

• Better interest rates

• Improved business cash flow

• Equity release for expansion or investment

BEMS evaluates your current financial position and helps you choose the best refinancing strategy.

Frequently Asked Questions (FAQ)

1. Do you offer commercial mortgages for small businesses?

Yes, BEMS offers flexible and competitive commercial mortgage solutions specifically for small business owners and investors across Ilford, Redbridge, and East London. We tailor each mortgage to the size, affordability, and goals of your business.

2. What types of properties can be financed with a commercial mortgage?

We can help finance a wide range of commercial properties, including offices, shops, warehouses, industrial units, mixed-use buildings, and investment units. Each solution is designed to align with your business model and long-term plans.

3. How much can I borrow with a commercial mortgage?

This depends on the property value, business income, deposit amount, and lender criteria. BEMS can give you a quick affordability assessment.

4. How long does a commercial mortgage take to complete?

Commercial mortgages typically take 4–12 weeks, depending on the complexity of the application and the lender’s requirements.

5. Do I need a large deposit?

Most lenders require 20%–40% deposit for commercial mortgages, but the exact figure depends on your financial strength and the property type.

Final Thoughts: Is a Commercial Mortgage Right for You?

If you're planning to buy a business premises, invest in commercial property, or refinance for better terms, a commercial mortgage can be a powerful tool for long-term growth.

With Bains Express Mortgage Solutions, you get:

• Expert guidance

• Competitive rates

• Access to specialist lenders

• A smooth, stress-free application process

Ready to explore your commercial mortgage options? Contact BEMS today and take the next step toward growing your business.