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Borrow up to 85% loan to value
Personal name or limited company applications
Your specialist UK mortgage broker
We’re a UK mortgage broker with access to 80+ lenders, in operation since 2012 and part of Norfolk Capital Group Limited, founded in 1988. Trusted by clients with a 4.7/5 Google rating, we help landlords and property investors secure buy to let mortgages, bridging loans, development finance and commercial mortgages.
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Commercial Trust is a member of the Legal & General Mortgage Club.
We chose to work with Legal & General as they are the largest, longest-running club in the UK.
This gives our clients the confidence that their borrowing is with a lender selected by an established and trusted club, who are involved in nearly one in three mortgages processed by intermediaries like us.
Not sure which finance type you need?
Buy to let vs Commercial
Buy to let mortgages are for residential investment properties, while commercial mortgages are used for business or mixed-use premises.
Personal vs Limited company
You can invest either in personal name or through a limited company. The best option typically depends on your tax position. We recommend speaking with a tax advisor alongside receiving a product recommendation from us.
Bridging vs Development finance
Bridging loans are short-term for speed (e.g. auctions) or for uninhabitable property where renovations are needed before you can secure long-term finance. Development finance funds ground-up builds or major refurbishment projects in stages.
Read on below for more guidance on which finance you need...
Buy to let mortgages
Buy to let mortgages are used to fund the purchase or remortgage of a rental property, which could be a house or flat, that will be the home of a tenant.
Commercial mortgages
Are you a business owner looking to finance a property to run your operation from, or are you investing in a business premises so you can let it out to tenants? You will need a commercial mortgage.
Bridging loans
Bridging loans can finance a new property or the cost of renovation, especially where the property is uninhabitable, or you need fast access to funds. We can help you get a fantastic deal on a bridging loan.
Limited company BTL
If you are investing in a rental property that a tenant will live in and are investing via a limited company, you will need our help to find you a limited company buy to let mortgage.
HMO mortgages
Are you investing in a House of Multiple Occupancy, i.e. a property which has bedrooms let out to tenants who aren't related to one another? You will need an HMO mortgage.
Holiday let mortgages
Do you need finance for a traditional holiday let or for short-stay accommodation like an AirBnB? You will need a holiday let mortgage.
Development finance
Development finance can be used for any scale of project. From renovating a single property, to a ground-up build of a new housing estate or commercial premises. Speak to our specialist team.
Homeowner business loans
Borrow against your residential property to raise funds for your business, whether to buy equipment, cover cash-flow, renovations or any other legal purpose. Ask our team for details.
Second charge mortgages
Raise additional funds from property which already has a buy to let mortgage, commercial mortgage or bridging loan in place, without touching your existing rate.
We will save you time and money
We work with landlords and property owners to secure mortgages for buy to let properties, as well as mortgages for holiday lets, bridging loans for renovations and auction purchases, commercial mortgages and development finance for ground-up builds.
As a dedicated, specialist broker, we help thousands of landlords find the very best solution for their requirements, save money and take the hassle out of earning a rental income from their property or holiday let or return on investment from flipping property.
Each buy to let mortgage, bridging loan, commercial mortgage or development finance product has its own unique features and benefits. Our recommendation will be tailored to each client's different circumstances and requirements.
What our clients say about us
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Compare latest interest rates
Buy to let mortgage calculator
Check today's rates from over 80 buy to let lenders, updated twice daily.
Commercial mortgage calculator
Work out illustrative monthly payments on a commercial mortgage.
Bridging loan calculator
Get a monthly payment illustration using bridging loan interest rates.
Development calculator
Get an estimate of costs, Loan to Gross Development Value (LTGDV) and more.
Your property partner
At Commercial Trust our mortgage advisors are here for you.
Our friendly, experienced team of specialist advisors will take the time to understand your needs and find you the most appropriate solution possible.
We can help with anything from a simple buy to let remortgage or purchase to HMO mortgages, holiday let mortgages, and irrespective of whether you are investing in personal name or need a limited company buy to let mortgage deal.
Similarly, we work with all landlords from those just starting in buy to let, to experienced landlords and portfolio buy to let investors.
Your dedicated account manager will even complete the paperwork and process any documents for you, saving you time and stress and leaving you free to enjoy the rental income, without any of the hassle!
World class customer service
Fast loan processing
You could have a lending decision in just two hours!
Expert lending advice
We have over 30 years of experience helping landlords.
Award-winning partner
We are here for you, whenever you need us.