Commercial
At Custom Mortgages & Finance, we specialise in commercial finance solutions across the UK, helping business owners, investors, and developers secure the right funding for their property ambitions. Whether you’re purchasing your first business premises or expanding an established portfolio, our expert team provides clear, tailored advice every step of the way.
Our Managing Director, Toby Wheeler, brings almost two decades of experience in commercial property finance, backed by real-world insight. Having purchased his first commercial premises as early as 2007, Toby understands first-hand the complexities of commercial mortgages and business property finance, giving our clients a distinct advantage when navigating the market.
We offer a comprehensive range of services, including commercial mortgages, semi-commercial property finance, buy-to-let and portfolio lending, bridging finance, refurbishment finance, and property development finance. By working with a wide panel of high street and specialist lenders, we can source competitive and flexible funding options to suit your individual requirements.
As a trusted UK commercial mortgage broker, we take a proactive, hands-on approach—structuring deals efficiently, overcoming challenges, and ensuring a smooth process from initial enquiry through to completion. Our goal is simple: to help you secure the right finance, at the right terms, to support your long-term business growth.
Buy-to-let Mortgages
Whether this is your first time at a buy-to-let property or you are an experienced individual who has several properties in a portfolio, finding the right lender to match your borrowing capacity is essential to getting the best deal for your investment.
Becoming a new landlord, can be daunting and we have members of our team with first-hand experience of portfolio investments and can share some of their experiences with you.
Holiday let mortgages, including AirBNB and serviced accommodation
Are you looking at a Beech House in Brighton or a Cottage in The Costwolds, getting a Holiday Let Mortgage is possible, and there are lenders who will help, talking to a whole of market broker gives you access to buying a second property and then renting it out for short term holiday lets. (This is different to a holiday home mortgage which is only intended for personal use) Explore Holiday Let Mortgage Options.
Bridging Finance
Bridging finance can be made available for both residential purchasers as well as commercial customers, its often used by developers to launch a site and build before the sales start to roll in as well as enabling customers to purchase a property quickly either from auction or through a word of mouth sale.
It can make the difference of being able to get a purchase over the line or be left without a sale, so if this is something you think you might need for your next purchase, let us know and we can see how we can help.
Bridging Finance can also be used to provide short-term liquidity to your business, we can provide a fast quote for a reactive opportunity.
Commercial Mortgages
if you are looking for a specialist commercial mortgage broker who can provide high-quality specialist commercial mortgage advice, we have a team of experts ready to take your call.
Commercial mortgages suit larger commercial properties where you may wish to own the property rather than rent to give you a security of tenure rather than renting or leasing.
Semi-Commercial Mortgage
A semi-commercial or a mixed-use mortgage is a specific loan for a property that has mixed use, both residential and commercial, this could be a shop on the ground floor and flats above, Bed and Breakfast establishments or Catteries or Kennels
Development Finances
A development loan is for investors who need finance to start on a building project, it will usually have a shorter term and the money will be released in stages, it is limited to use on the building project and is similar to a bridging finance option.
Auction Finance
Self-Build Mortgages
Ever dreamt of building your own home, I am sure we all have, a self-build mortgage is similar to a residential mortgage in the way you apply for it, but unlike a home purchase where the money is released in one lump sum, self-build mortgages are released in tranches or stages throughout the process, these stages will often be signed off by a surveyor. There are some lenders who will make payments in advance, but they tend to be rarer.
