Commercial Mortgage

Commercial Mortgages

Own your premises. Unlock equity. Grow on your terms.

Example: A wholesale bakery is bursting at the seams and the landlord’s selling. Rather than tie up cash or chase short-term fixes, we arrange a commercial mortgage secured on the property. The bakery business spreads repayments over the long term, keep cash flow steady, and take ownership of the site—future-proofing the business.

What is a commercial mortgage?

A commercial mortgage is a business loan secured against property (shops, offices, warehouses, industrial units, mixed-use). It’s typically used to buy, refinance, or release equity from trading or investment property. Terms can be structured long-term to support cash flow.

Figures vary by lender and deal profile.

Common uses

1)

Buy your trading premises (owner-occupied)

2)

Purchase or refinance an investment asset (tenanted)

3)

Release equity to expand, refurbish, or acquire a business

4)

Consolidate property debt into a single, cleaner facility

Use cases depend on property type and lender appetite.

Who it’s for

Eligibility always assessed case-by-case.

How it works with Station Hill Capital

What lenders look for

Documents you’ll usually need

Exact asks vary by lender and deal.

Why Station Hill Capital

  • Whole-of-market access: we’re not tied to one lender, so we can chase the right structure and price for your deal.

  • Property-savvy packaging: we present risk the way lenders need to see it—often unlocking better terms.

  • Joined-up execution: valuation, legal, completion—coordinated so you can keep running the business.

  • Business-only focus: we do not arrange personal lending.

Quick FAQs

  • What’s the typical maximum LTV?
    Around 75% for many cases, with potential to go higher where additional collateral/goodwill applies (sector-dependent).

  • Can I do interest-only?
    Possible—often with an agreed exit (refi/sale) or an initial interest-only period before switching to capital & interest.

  • How long does it take?
    Simple refis can be c. 6–8 weeks; acquisitions and more complex cases can run 2–6 months+, depending on diligence and legals.