Learn about owner-occupied and investment commercial mortgages serving Swansea and Wales 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
Swansea
12k
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 Swansea?
For UK limited companies with 3+ months’ trading and monthly revenue.
Swansea is Wales' second largest city and a significant industrial and commercial centre, with a major steel and advanced materials sector in the neighbouring Port Talbot and Neath corridor underpinning a substantial manufacturing supply chain. The city is undergoing major transformation through the Swansea City and Waterfront Digital District, a £1.3 billion regeneration project aimed at establishing Swansea as a leading digital innovation hub in Wales, supported by Swansea University's expanding research commercialisation activity. Healthcare and public sector employment is substantial, with Swansea Bay University Health Board one of the city's largest employers, complemented by growing private healthcare and life sciences activity. With 12k registered businesses across Wales, Swansea has strong demand for competitive commercial mortgages.
Funding availability depends on the business and finance required in the Wales area. Whether your Swansea 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 Swansea 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.