What is a commercial mortgage?
How commercial mortgages differ from residential deals, typical terms and rates, and when they make sense.
Read more
Commercial Lending
Specialist commercial mortgage and lending solutions for your business.
Business Mortgages & Commercial Lending
Whether you're a small-business owner, a property developer, or an investor, The Home Hub provides tailored financing options to support your commercial property ventures.
From commercial mortgages for purchasing or refinancing property, to business loans for working capital or expansion, we offer a comprehensive suite of lending solutions to help you achieve your goals.
With access to a diverse network of lenders — banks, alternative lenders and private investors — we can negotiate competitive terms and secure the funding you need to drive your business forward.
Speak to an AdviserOur Commercial Lending Products
The right finance structure for your project — from high-street commercial mortgages to specialist bridging and development facilities.
Commercial Mortgages
Loans secured on business premises — for purchase or refinance of shops, offices, warehouses and more.
Development Finance
Funding for ground-up developments, conversions and major refurbishments — staged drawdowns as the project progresses.
Bridging Loans
Short-term finance to bridge a gap — auction purchases, chain breaks, or funding an upgrade before a long-term deal.
HMO Finance
Specialist mortgages for Houses in Multiple Occupation — purpose-built for student and professional share arrangements.
Mixed-Use Mortgages
Buildings that combine commercial and residential — shop-with-flat, office-with-apartment and similar set-ups.
Business Loans
Working capital, expansion finance and operational funding — from SME facilities to larger corporate packages.
Why Finance Through The Home Hub?
Specialist commercial expertise with a local team, working for you across the whole deal.
Diverse Lender Network
Banks, challenger banks, alternative lenders and private investors — the right match for your deal.
Specialist Expertise
Experienced brokers who understand commercial structures, covenants and lender requirements.
Tailored Packages
We structure funding around your project and cashflow — not a one-size-fits-all template.
Clear Communication
Regular updates in plain English — you always know where your application is up to.
Local Advisers
Based in East Kilbride, serving Lanarkshire and Glasgow — talk to a real adviser, not a call centre.
End-to-End Support
From first enquiry to drawdown, we stay with the deal — and we're here for refinances, extensions and future projects.
About Our Commercial Lending Service
Commercial finance can feel opaque — different lenders, different criteria, different products for different scenarios. Our job is to cut through that.
We take the time to understand your business, your project and your timeline, then match you with the lenders and products that actually fit. Whether you're buying your first premises, refinancing a portfolio, or funding a ground-up development, we'll guide you through the options and handle the heavy lifting on applications, valuations and documentation.
Your dedicated adviser stays with you right through to drawdown — and is still a phone call away when your next project comes around.
Speak to an AdviserGet more expert advice with our commercial lending guides
Speak to our commercial team now
For specialist advice on commercial mortgages, bridging and development finance — talk to a real adviser based in East Kilbride.
01355 206860Commercial Lending FAQs
Quick answers to the questions we get asked most often.
What is a commercial mortgage?
A commercial mortgage is a loan secured on property that isn't your home — typically shops, offices, industrial units, warehouses or mixed-use buildings. Like a residential mortgage, you receive funds to purchase the property and repay the loan over an agreed term.
How much deposit do I need?
Commercial mortgage deposits are usually higher than residential — expect to put down around 25% to 40% depending on the lender, the property type and your trading history. We'll help you position your case to get the best terms available.
Who qualifies for commercial finance?
Limited companies, LLPs, partnerships, sole traders and individuals can all qualify. Lenders look at the business case, the property, your experience and your financial position — each deal is assessed on its own merits.
How long does a commercial mortgage take?
More involved than a residential deal — typically 6 to 12 weeks from application to completion, depending on the complexity. Bridging loans can complete much faster where speed matters.
What's the difference between a bridging loan and a commercial mortgage?
Bridging loans are short-term (usually under 12 months) and designed to be replaced by longer-term finance or a sale. Commercial mortgages are long-term (5 to 25 years) and amortise like a residential mortgage. Bridging is faster but costs more per month.
Are commercial mortgages regulated?
Most commercial lending falls outside Financial Conduct Authority regulation, which means consumer protections are different to a residential mortgage. We'll always explain the implications before you commit and make sure you understand what's being offered.
Commercial lending services are referred to a third party. Neither The Home Hub nor Clear Mortgage Solutions Limited are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.
The Home Hub is a trading name of Clear Mortgage Solutions Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Clear Mortgage Solutions Limited. Registered Office: Orchard Brae House, Edinburgh, EH4 2HS. Registered in Scotland Number: SC463175.