Learn about owner-occupied and investment commercial mortgages serving Belfast and Northern Ireland businesses. Matching begins after you apply; a soft credit check may be used for matching.
Rates
From 4.5% p.a.
Owner-occupied or investment
Amounts
£100k - £10M+
Speed
6-12 weeks
Belfast
20k
businesses
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
A commercial mortgage is a long-term loan secured against commercial property, offices, shops, warehouses, pubs, hotels, industrial units, or mixed-use buildings. Terms are typically 5-25 years with rates from 4.5% per annum.
You apply with details of the property, your business, and the purpose (purchase, refinance, or development). The lender values the property, assesses your business, and if approved, releases funds through your solicitor. The process typically takes 6-12 weeks from application to completion.
Your business operates from the property. Up to 80% LTV. Rates from 4.5%. Business income supports the mortgage.
Buying to let to tenants. Up to 75% LTV. Rates from 5.0%. Rental income must cover 125%+ of mortgage payments.
Replace an existing mortgage with a better rate or release equity. Up to 70% LTV. Rates from 4.5%.
Borrow £500,000 at 5.5% over 20 years. Monthly repayment: ~£3,440. Total repayable: ~£825,600. Your rate depends on your circumstances.
Ready to compare commercial mortgages in Belfast?
For UK limited companies with 3+ months’ trading and monthly revenue.
Belfast has emerged as one of the UK's most cost-competitive business locations, attracting significant foreign direct investment, particularly in financial and legal services, with major firms including Citi, Concentrix, and Herbert Smith Freehills operating large operations in the city. The city has developed a notable cyber security and technology cluster, with Queen's University Belfast and Ulster University producing strong graduate talent pipelines and partnering with industry on applied research. Belfast's tourism economy has grown substantially, boosted by the city's association with the Titanic and its role as a filming location for international productions. With 20k registered businesses across Northern Ireland, Belfast has strong demand for competitive commercial mortgages.
Funding availability depends on the business and finance required in the Northern Ireland area. Whether your Belfast business needs offices and serviced offices or retail shops and high street premises, lenders assess each application individually.
Several specialist lenders on our panel work with Belfast businesses that have imperfect credit histories. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender. Check your options when you apply.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Explore FundingFor UK limited companies with at least 3 months’ trading and monthly revenue.