Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Commercial Mortgages
Finance For Your Business Premises
Commercial mortgages fund offices, retail units, industrial units and mixed-use property — with whole-of-market options tailored to your business, occupancy and long-term plans.
300+
Wealth of lenders in the market
20k+
Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
A commercial mortgage is a loan secured against business premises — whether you are buying owner-occupied offices, investment retail, industrial units or mixed-use property.
Unlike a standard residential mortgage, commercial lending looks at property type, occupancy, rental income or trading strength, and your exit or repayment plan. Deposit requirements and rates vary by lender and asset class.
We search a wide panel of specialist commercial lenders to structure terms that fit your business objectives — from purchase and remortgage through to refinance and expansion.
Speak to an Expert
Why Consider Commercial Mortgages?
- Finance offices, retail, industrial and mixed-use property
- Owner-occupier and investment options available
- Purchase, remortgage or refinance for growth
- Terms tailored to trading strength and rental income
- Access to specialist commercial lenders
- Limited company and SPV applications welcomed
- Whole-of-market advice with clear fee disclosure
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share the property type, use, deposit and business goals. We'll outline realistic options with no obligation.
02We Compare The Market
Your adviser searches specialist commercial lenders for rates, LTVs and terms that fit your case.
03We Find The Deal
We manage valuation, underwriting and completion so your business premises finance completes smoothly.
Our Specialist Finance Services
Commercial Mortgages
Finance for offices, retail, industrial and mixed-use property — whole-of-market options tailored to your business.
Read More
Bridging Finance
Short-term funding to secure opportunities, refurbish assets or bridge the gap before long-term finance.
Read More
2nd Charge Mortgages
Release equity with a second charge while keeping your existing mortgage in place — flexible terms for established homeowners.
Read More
Development Finance
Funding for ground-up developments, conversions and heavy refurb projects with experienced underwriting support.
Read MoreCommon Specialist Finance Questions
Typically 25–40% depending on the property type, occupancy and lender criteria. Investment properties usually require a higher deposit than owner-occupied premises.
Yes — many commercial products are available to limited companies and SPVs. We match you with lenders whose criteria fit your ownership structure.
Offices, retail, industrial/warehouse, mixed-use and some specialist commercial assets. Suitability depends on location, condition, tenure and lender appetite — we'll advise early if a property is likely to be difficult.
Timelines vary with valuation, legal work and underwriting complexity. Straightforward cases can complete in a number of weeks; more complex trading or multi-unit cases may take longer. We set clear expectations at the outset.
Typically accounts, bank statements, asset and liability schedules, property details and tenancy information where relevant. We provide a tailored checklist for your application.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
