How much deposit do I need for a commercial property?

Commercial mortgages typically offer a lower "Loan to Value" (LTV) than residential ones. You should generally expect to provide a deposit of 25% to 40%, depending on the property type, your experience, and the strength of the business.

Can I borrow in my own name or a business name?

Both are possible. Many clients choose to borrow through a Limited Company (SPV) for tax efficiency, while others prefer to hold the asset personally. We work with lenders who are comfortable with both structures.

Do you help with "Semi-Commercial" properties?

Yes. This is one of our most common requests—usually a flat above a shop or office. These require a specialist approach because they sit between residential and commercial rules, and we have the exact lender panel to handle them.

Business Finance Built for Growth.

From Retail Units to Industrial Hubs

Finance That Moves at Your Speed

Commercial property requires a different set of rules. Whether you are an owner-occupier looking for your first warehouse or a seasoned investor acquiring a retail block, Ezra provides the strategic funding to make the deal happen. We focus on the business case, the yield, and the exit strategy.

Asset Classes We Fund.

Office & Retail Units

Financing for town-centre shops, high-end office suites, and mixed-use developments.

Semi-Commercial

Perfect for "Shop-and-Upper" deals where business and residential meet.

Industrial & Logistics

Lending for warehouses, distribution centres, and light industrial units.

Leisure & Hospitality

Funding for hotels, guest houses, and restaurants across the UK.

Frequently asked questions

Commercial Mortgage FAQs

Ready to Apply?

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