Commercial Mortgages


Mortgages for commercial properties and property investment businesses

We have access to a wide range of commercial lending solutions and can help your investors and developers who have more specific or niche requirements. 

Lenders we work with can provide finance for the following:

Trading businesses (leisure, retail and industrial)
Semi-commercial (such as a shop with a flat above)
Mixed portfolio
Standard commercial property
Single residential property
Multiple units on one title
HMO/student lets – investment valuation/brick and mortar valuation
Portfolio finance
Blocks of flats

Is it possible to take out a mortgage on a business and residential property?

We can help people do just that. One of our customers was able to:

  • Secure a mortgage of £315,000 to purchase a semi-commercial property 
  • LTV of 70%
  • Cover 100% of costs to renovate the property
  • Fund the entire purchase and renovation project

Customer story

Our customer wanted to purchase a semi-commercial property, which consisted of a shop on the ground floor and two flats above. The property was valued at £280,000 before the work was done and this was the agreed purchase price. He also wanted £35,000 to create two extra flats on the ground floor. 

There was as added complication due to a delay in the completion of the purchase after the contracts had been exchanged. It was clear the work carried out by the customer would increase the value of the property and so we approached lenders who we knew would consider the case. During this extended period of exchange, the customer was able to create the two ground-floor flats. 

Our knowledge of our specialist commercial lender panel and the excellent relationships we enjoy with the underwriters meant we were able to articulate exactly what had been done to the property to raise its market value. Our customer was really pleased he was able to fund the whole project using his commercial mortgage. 

6 Great Reasons to Choose Clever Lending

Solutions for complex cases
Each case is assessed individually, and a solution recommended according to the circumstances

Bad credit accepted
We have a flexible underwriting approach to applicants who have adverse credit

Hundreds of products
Commercial loans available from £25,000 with no maximum. Fixed and variable rates with up to 100% LTV

No upfront fees
Borrowers can receive their commercial loans quickly and conveniently without facing upfront costs

No upfront fees
Borrowers can receive their commercial loans quickly and conveniently without facing upfront costs

Fast and convenient
Manage and track all cases at any time from any device using our online broker portal, Clever+

Why use a specialist distributer?

Gone are the days of a ‘computer says no’ process when it comes to lending. You will have customers in a wide range of circumstances who need finance and the best solution may not be immediately obvious.

That’s where we step in. We can help by:

  • Reviewing cases thoroughly and sourcing the most appropriate lender and product for each customer – giving you more time to deal with the more straightforward applications
  • Turning your applications around quicker. From completing the fact-find, to collating documents, we can free up your time so you can concentrate on helping more customers
  • Providing recommendations to your customers and being responsible for any advice we give
  • Improving your customer relationships by ensuring they receive appropriate advice in specialist areas from product experts. This will ensure we offer solutions that best meet their needs
  • Giving you access to products from a large panel of lenders – some of which you may not be able to access elsewhere

About Clever Lending

We will do everything we can to ensure your cases complete and provide your customers with the most suitable products for their individual circumstances. We provide:

  • Expert product knowledge on the latest products with some of the lowest rates on the market
  • A flexible service working either with you on a case or dealing with customers directly – whichever you prefer
  • A true 50/50 commission split – we don’t take any further fees off the lender commission and broker fees. We offer a transparent 50/50 split regardless of how you refer to us
  • A fully compliant service with clear audit trails helping you with any regulatory obligations

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