Commercial Mortgages in Maidstone

Looking to purchase a commercial property in Maidstone or refinance an existing business mortgage? Whether you’re expanding your operations, buying premises for your business, or investing in commercial real estate, we can help you explore the right finance options.

At Mortgage Broker Maidstone, we support clients across Maidstone, Bearsted, Kings Hill, Aylesford, and wider Kent with access to experienced, FCA-regulated advisers who understand the commercial mortgage market.

What Is a Commercial Mortgage?

A commercial mortgage is a loan used to purchase or refinance property that’s used for business purposes — such as offices, warehouses, shops, retail units, or mixed-use buildings. It can also apply to semi-commercial properties with both residential and commercial elements (e.g. a shop with flats above).

What We Help With

• 🏢 Owner-occupied commercial mortgages
• 🏘️ Investment mortgages for rental income
• 📈 Refinancing existing commercial property for better rates or to release equity
• 📊 Interest-only or capital repayment options
• 🧑‍💼 Referrals to experienced commercial mortgage advisers

Who Are Commercial Mortgages For?

Commercial mortgage clients typically include:

• ✅ Business owners buying or refinancing their trading premises
• ✅ Landlords expanding into commercial property investment
• ✅ Developers purchasing mixed-use or redevelopment sites
• ✅ Professionals (e.g. dentists, solicitors, medical clinics) buying their own practice buildings

Whether you’re buying a unit in Maidstone town centre, an industrial property near the M20, or a mixed-use site in Aylesford — we’ll connect you with the right adviser for your needs.

Key Considerations

• Deposit: Typically 25–40% is required, depending on the deal and risk profile
• Loan term: Usually 5 to 25 years, though some short-term options are available
• Interest rates: Often bespoke and based on risk, property type, and borrower profile
• Business accounts: Lenders may require 1–3 years of trading history

Next Steps

We make it easy to explore commercial mortgage options — without pressure or jargon. You can:

• 📖 Read our latest articles via the Mortgage Blog
• 🧮 Use our Mortgage Calculators for early affordability insights
• 📞 Contact us and we’ll refer you to a commercial mortgage specialist

From offices and retail units to mixed-use developments, we help local businesses and investors secure the funding they need to move forward with confidence.