--- title: "Commercial Mortgage Guide: detailed guide" description: "Detailed explanations and criteria for Commercial Mortgage Guide." url: "https://mortgagelane.com/guides/commercial-mortgage-guide/guides-commercial-mortgage-guide-details" site: "Mortgage Lane" collection: "guides" date: "2026-04-13" author: "Joseph Lane" category: "Mortgage guide" reviewed: "2026-10-05" reading_time: "6 min" byline: "Joseph Lane" author_credentials: "CeMAP · FCA authorised firm" language: "en-GB" robots: "index,follow" --- # Commercial Mortgage Guide: detailed guide Detailed explanations and criteria for Commercial Mortgage Guide. A comprehensive commercial mortgage guide covering affordability and eligibility and valuation information for investors and business owners. [Commercial mortgage](https://mortgagelane.com/definitions?term=commercial-mortgage) Commercial An asset-backed loan secured against commercial, semi-commercial or large-scale investment property, assessed on income sustainability, asset risk and valuation methodology rather than personal affordability alone. [Read the full definition of Commercial mortgage](https://mortgagelane.com/definitions?term=commercial-mortgage) Back to overview [Commercial Mortgage Guide](https://mortgagelane.com/guides/commercial-mortgage-guide) Related definitions [Commercial mortgage](https://mortgagelane.com/definitions#def-commercial-mortgage) ## Industrial commercial mortgages Industrial commercial mortgages are used to fund property such as warehouses, distribution centres, manufacturing facilities, trade counters, and operational industrial units. [Read more about Industrial commercial mortgages](https://mortgagelane.com/guides/commercial-mortgage-guide/industrial-commercial-mortgages) ## Care home mortgages Care home mortgages are a specialist form of commercial finance used to purchase, refinance, or release capital from residential care homes and nursing homes. [Read more about Care home mortgages](https://mortgagelane.com/guides/commercial-mortgage-guide/care-home-mortgages) ## Commercial mortgage for factory A commercial mortgage for a factory is used to purchase, refinance, or raise capital against manufacturing and production facilities, where lending decisions are driven by a combination of asset risk, operational use, and environmental exposure. Factory lending sits within the industrial sector but is treated more cautiously than standard warehouses or light industrial units due to historical land use and potential contamination risks. [Read more about Commercial mortgage for factory](https://mortgagelane.com/guides/commercial-mortgage-guide/factory) ## Farm land mortgage A farm mortgage is a specialist form of commercial mortgage lending used to purchase, refinance, or raise capital against agricultural property, including working farms, farmland, farmhouses with land, and diversified rural estates. [Read more about Farm land mortgage](https://mortgagelane.com/guides/commercial-mortgage-guide/farm-land-mortgage) ## Mortgage for a pub A mortgage for a pub is a specialist form of commercial finance used to purchase, refinance, or raise capital against public houses, inns, and licensed hospitality venues. Pub lending is treated as a trading-led sector, meaning lenders assess the property and the operating business together, with affordability driven primarily by trading performance rather than rental value alone. [Read more about Mortgage for a pub](https://mortgagelane.com/guides/commercial-mortgage-guide/mortgage-for-a-pub) ## Commercial mortgage for hotel A mortgage for a hotel is a specialist form of commercial mortgage used to purchase, refinance, or release capital against hotel and accommodation-led properties, including boutique hotels, independent hotels, and branded or franchise-operated establishments. Hotel lending is treated as trading-led finance, meaning lenders assess the operating performance of the business alongside the underlying property. [Read more about Commercial mortgage for hotel](https://mortgagelane.com/guides/commercial-mortgage-guide/hotel) ## Commercial mortgage for offices A commercial mortgage for offices is used to purchase, refinance, or raise capital against office buildings, business centres, and professional workspace, whether let as an investment or occupied by a trading business. Office lending is assessed on both income security and market liquidity, with lender appetite heavily influenced by location, specification, and demand for the workspace type. [Read more about Commercial mortgage for offices](https://mortgagelane.com/guides/commercial-mortgage-guide/offices) ## Mortgage for a medical practice A mortgage for a medical practice is a specialist form of commercial lending used to purchase, refinance, or release capital against premises occupied by healthcare professionals, including GP surgeries, private medical clinics, dental practices, and specialist consulting facilities. Medical practices are generally viewed as low-risk, defensive assets, making them attractive to commercial mortgage lenders when structured correctly. [Read more about Mortgage for a medical practice](https://mortgagelane.com/guides/commercial-mortgage-guide/mortgage-for-a-medical-practice) ## Dental practice mortgage A dental practice mortgage is a specialist form of commercial mortgage used to purchase, refinance, or release capital against premises occupied by a dental practice. Dental properties are generally regarded by lenders as low-risk healthcare assets, due to strong demand, stable income, and high professional covenant strength, particularly where income is supported by NHS contracts. [Read more about Dental practice mortgage](https://mortgagelane.com/guides/commercial-mortgage-guide/dental-practice-mortgage) ## Self storage mortgage A self-storage business mortgage is a specialist form of commercial mortgage used to purchase, refinance, or raise capital against self-storage facilities, including container storage sites, warehouse-based storage, and purpose-built self-storage centres. While self-storage is an operational business, lenders increasingly view established facilities as attractive, income-resilient assets due to diversified income streams and strong demand. [Read more about Self storage mortgage](https://mortgagelane.com/guides/commercial-mortgage-guide/self-storage-mortgage) ## Retail commercial mortgages A commercial mortgage for retail property is used to finance property such as high-street shops, neighbourhood retail units, shopping parades, convenience stores, and retail premises with ancillary accommodation. From a lender’s perspective, retail property spans a broad risk spectrum, with lending appetite, leverage, and pricing driven primarily by location quality, tenant profile, and the resilience of the underlying retail model. [Read more about Retail commercial mortgages](https://mortgagelane.com/guides/commercial-mortgage-guide/retail-commercial-mortgages) ## Restaurant mortgage A restaurant mortgage is a specialist form of commercial finance used to purchase, refinance, or raise capital against restaurant premises where the value and affordability are closely linked to the performance of the trading business. Restaurant lending is treated as a trading-led sector, meaning lenders assess both the property and the operational viability of the restaurant as a single risk. [Read more about Restaurant mortgage](https://mortgagelane.com/guides/commercial-mortgage-guide/restaurant-mortgage) ## Warehouse mortgages Warehouse mortgages are a form of commercial finance used to purchase, refinance, or raise capital against warehouse and logistics property, including distribution centres, storage facilities, and fulfilment hubs. Warehouses sit within the wider industrial sector and are generally viewed by lenders as low-to-moderate risk assets, supported by strong occupier demand and broad alternative-use potential. [Read more about Warehouse mortgages](https://mortgagelane.com/guides/commercial-mortgage-guide/warehouse-mortgages) ## Equestrian land mortgage A mortgage for an equestrian property falls outside residential mortgage regulation under MCOB where less than 40% of the land is used as a dwelling by the borrower or their family, so more than 60% is in commercial or business use. In these circumstances, a standard residential or semi-commercial mortgage is not permitted, and the property must be funded using a commercial mortgage. [Read more about Equestrian land mortgage](https://mortgagelane.com/guides/commercial-mortgage-guide/equestrian-land-mortgage) ## Commercial mortgage for converted nightclub A commercial mortgage for a converted nightclub applies where a former nightclub has been repurposed into an alternative commercial, mixed-use, or specialist asset. While the original use may have carried higher risk, lender appetite is primarily driven by the current permitted use, income profile, and marketability of the converted asset, rather than its historic function. [Read more about Commercial mortgage for converted nightclub](https://mortgagelane.com/guides/commercial-mortgage-guide/converted-nightclub) ## Commercial mortgage for guest house A commercial mortgage for a guest house is a specialist form of hospitality finance used to purchase, refinance, or release capital against guest houses, bed and breakfast properties (B&Bs), and small accommodation-led businesses. Guest house lending is treated as trading-led commercial finance, meaning lenders assess both the property and the operating business together, with affordability driven primarily by trading performance rather than property value alone. [Read more about Commercial mortgage for guest house](https://mortgagelane.com/guides/commercial-mortgage-guide/guest-house) ## Mortgage for a business property A mortgage for a business property is a form of commercial mortgage used to purchase, refinance, or release capital from premises that are occupied or used by a trading business. [Read more about Mortgage for a business property](https://mortgagelane.com/guides/commercial-mortgage-guide/mortgage-for-a-business-property) ## Commercial mortgage for a block of flats A commercial mortgage for a block of flats is used to purchase, refinance, or raise capital against a residential block held under a single freehold or investment title, where the scale, structure, or tenancy profile falls outside standard residential or buy-to-let lending. [Read more about Commercial mortgage for a block of flats](https://mortgagelane.com/guides/commercial-mortgage-guide/a-block-of-flats) ## Commercial mortgages for pharmacies Commercial mortgages for pharmacies are a specialist form of healthcare lending used to purchase, refinance, or raise capital against pharmacy premises, including high-street chemists, medical-centre pharmacies, and standalone pharmaceutical outlets. Pharmacies are generally viewed as defensive, low-risk healthcare assets due to stable demand and predictable income, particularly where operations are supported by NHS contracts. [Read more about Commercial mortgages for pharmacies](https://mortgagelane.com/guides/commercial-mortgage-guide/pharmacies) ## Talk it through with an adviser Speak to a Mortgage Lane adviser about your circumstances and the next steps. Published: 2026-04-13 Last reviewed: 2026-10-05 Source: https://mortgagelane.com/guides/commercial-mortgage-guide/guides-commercial-mortgage-guide-details