Learn about owner-occupied and investment commercial mortgages serving Oxford and South East England 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
Oxford
14k
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 Oxford?
For UK limited companies with 3+ months’ trading and monthly revenue.
Oxford's economy is driven by one of the world's great universities and a powerful innovation ecosystem that has produced globally significant companies including Oxford AstraZeneca vaccine technology partners, Vaccitech, and numerous AI and deep tech spinouts. The city's life sciences and pharmaceutical sector is centred on the Oxford Science Park and Harwell Campus, where companies benefit from proximity to world-class research infrastructure and a dense network of academic collaborators. Oxford also has a growing automotive technology cluster, with BMW's Mini plant in nearby Cowley and a network of electric vehicle and autonomous systems suppliers establishing facilities in the Oxford area. With 14k registered businesses across South East England, Oxford has strong demand for competitive commercial mortgages.
Funding availability depends on the business and finance required in the South East England area. Whether your Oxford 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 Oxford 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.