Commercial Mortgages
Purchase, refinance or release equity from owner-occupied and investment commercial property.
Discuss finance →SPECIALIST COMMERCIAL FINANCE BROKERAGE
Commercial finance.
Without limits.
From straightforward commercial mortgages to complex property transactions, we find and structure funding around your deal.
Commercial mortgagesBridgingDevelopmentInvestmentBusiness finance
LONDON
BIRMINGHAM
MANCHESTER
£250k+No Morfinity broker fee*
7 DAYSAvailable Monday – Sunday
09:00 – 22:00Speak when it suits you
UK WIDECommercial finance solutions
NACFB AssuredOUR SOLUTIONS
Finance for the deal
in front of you.
Whatever the property, structure or complexity, we focus on the funding route that fits the transaction—not the other way around.
Semi-Commercial Finance
Funding for properties combining commercial and residential use, including mixed-use investment assets.
Discuss finance →Bridging Finance
Short-term funding when speed, flexibility or the circumstances make conventional lending unsuitable.
Discuss finance →Development Finance
Funding for ground-up development, conversion, refurbishment and value-add property projects.
Discuss finance →Portfolio Finance
Finance for individual assets, portfolio acquisitions, refinancing and capital release.
Discuss finance →Complex & Specialist BTL Cases
When the transaction does not fit a standard lending box, we look beyond the obvious options.
See how we help →MORE THAN A LENDER INTRODUCTION
Expertise for more
complex deals.
Not every deal fits standard lender criteria. We look at the whole transaction—property, borrower, income, security, structure, exit and timescale.
Speak to Morfinity →01
Mixed-use property
Commercial and residential elements requiring the right lender appetite.
02
Non-standard property
Transactions that need a more specialist credit approach.
03
Time-sensitive purchase
Funding where completion timescales genuinely matter.
04
Complex ownership
Corporate structures, SPVs, groups and portfolio borrowers.
05
Refinance & capital release
Restructure borrowing or release capital for the next opportunity.
06
Previously declined?
A decline from one lender does not necessarily close the market.
HOW IT WORKS
A simpler path to
the right funding.
One conversation starts the process. We help structure the proposition, identify suitable lending routes and stay involved as the transaction progresses.
01
Understand
Start with the deal, not the application form. Tell us what you are trying to achieve.
02
Structure
We assess the transaction and shape a funding strategy around the key facts.
03
Source
We identify potentially suitable lenders and present the proposition intelligently.
04
Deliver
We stay close to you and the relevant parties as the application moves toward completion.
WHY MORFINITY
Straight answers.
Commercial thinking.
Commercial finance is rarely just about rate. Structure, speed, lender appetite, security and the quality of the proposal all matter. Our role is to bring those pieces together.
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Straight answers
We explain what looks achievable, what may be difficult and what lenders are likely to need.
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Flexible access
Available seven days a week, 09:00–22:00.
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Market access
We work across a broad lender market to identify potentially suitable funding routes.
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Commercial thinking
We look at the transaction as a whole rather than focusing on one metric in isolation.
£
Aligned on larger transactions
For loans over £250,000, Morfinity does not charge the borrower a broker fee.*
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One point of contact
A consistent contact from the first conversation through the funding process.
CASE STUDIES
Real deals should
speak for themselves.
Selected transactions demonstrating the range of commercial finance solutions Morfinity can help structure.
01
SEMI-COMMERCIAL REFINANCE
£5.5m portfolio refinance
£5.5m semi-commercial refinance of a portfolio of mixed-use properties in Selly Oak, Birmingham at 75% LTV. The client secured a reduction in interest cost and additional lending to support portfolio growth.
Discuss a similar deal →02
OWNER-OCCUPIER
£1.2m acquisition finance
£1.2m secured for our owner-occupier client in Solihull, West Midlands to acquire new business premises. The client acquired a new site, reducing exposure to rising rental costs and investing new surplus into the business.
Discuss a similar deal →03
INVESTMENT & FORWARD FUNDING
£9m investment facility
£9m secured for our Midlands-based investor client, including a £3m credit-backed forward funding facility to secure properties from auction and private sales, £3.5m for new acquisitions and a £2.5m portfolio refinance.
Discuss a similar deal →HAVE A DEAL?
Give us the numbers.
Tell us what you are looking to achieve. We will come back to discuss the transaction and the funding routes worth considering.
Prefer WhatsApp?Send the deal directly to a broker →FREQUENTLY ASKED QUESTIONS
Common questions.
Commercial finance is transaction-specific. These answers are general guidance; the right structure depends on the borrower, property and lender criteria.
How much can I borrow?
Borrowing capacity depends on the property, income, borrower profile, proposed use, security and lender appetite. We assess the transaction first and then identify realistic funding routes.
How quickly can commercial finance complete?
Timescales vary by product and complexity. Bridging can be suitable for time-sensitive transactions, while a commercial mortgage or development facility will usually involve more due diligence.
Can Morfinity help if my bank has declined the application?
Potentially. A decline may reflect one lender's policy or appetite rather than the whole market. We can review the reasons and consider whether a different structure or lender is appropriate.
Do you finance semi-commercial property?
Yes. We can consider mixed-use properties containing both commercial and residential elements and identify lenders whose criteria fit the asset and borrower.
Can you arrange bridging finance?
Yes. Bridging may be considered for acquisitions, refinancing, refurbishment, auction purchases and other situations where short-term finance is appropriate and there is a credible exit strategy.
How much does Morfinity charge?
Morfinity does not charge the borrower a broker fee on loans over £250,000.* Any applicable fees and lender commission arrangements should be confirmed clearly before proceeding.
LET'S TALK
Let’s make your next deal happen.
Buying, refinancing, developing or solving a more complex transaction? Start with a conversation.