Experienced icon


With over five decades of experience in helping our clients save for the future, we have a thorough understanding of the market and the importance of your money.

Independent flag icon


Professional investment advice can only have your best interests at heart when it’s truly independent. At KGJ, our only focus and loyalty is to you, the client.

Family Run icon

Family Run

As a proud and long-established family firm, we understand how vital planning for the future and ‘saving for a rainy day’ is to the financial wellbeing of our clients.

Financial Wellbeing - Workplace
KGJ Main Leaf

What is a Commercial Mortgage?

In its most basic form, a commercial mortgage is a loan that is used to finance the purchase of a commercial property. Commercial mortgages are typically used to purchase (or refinance) properties that are used for business, such as office buildings, retail spaces and industrial facilities.

The process is very similar to taking out a private mortgage to buy a house. Commercial mortgages are typically secured against the property being purchased, and the loan is repaid over a fixed term, with interest. The loan terms and interest rates for commercial mortgages can vary depending on the lender, the size of the loan, and the financial history of the borrower.

One of the biggest benefits is that commercial mortgages give business owners and investors a way to purchase commercial property with a deposit rather than a complete upfront. They can also provide a stable source of financing for businesses that need a traditional ‘bricks and mortar’ presence, such as retail stores or manufacturing facilities.

As with any loan, it’s important to consider the terms and conditions of a commercial mortgage before applying, including the interest rates, loan term, repayment schedule and any additional fees or charges, such as arrangement fees or early repayment fees.

Fundamentally, commercial mortgages are an important way for businesses of any size to raise finance for buying commercial property, which in turn helps to support business growth and development.

KGJ Main Leaf

Why Choose KGJ for Commercial Mortgage Brokerage?

As a family-run business with over 50 years of experience, we know just how important it is to partner with the right people when looking to expand your business. Whatever your reason for needing a commercial mortgage, from the smallest to the largest enterprises, KGJ can help find the best way forward for your business. From commercial owner-occupier mortgages to property development finance, our experts have a breadth of knowledge and experience in the field and are ready to help you take your company to the next stage.

It is vital when taking out a commercial mortgage to understand the terms of the agreement and to have a full understanding of the process. As an independent broker, we take great pride in ensuring all our clients understand every aspect of the commercial mortgage process. We also answer to nobody but you. We hold the best interests of you and your business at the forefront of everything we do, and we work tirelessly to ensure you get the commercial mortgage terms, repayments and interest rates that best fit your plans for the future. We have helped countless businesses get started with their first commercial mortgage and have helped the same clients again and again as their businesses have grown.

For a personal approach to a tailored commercial mortgage, get in touch with KGJ.

KGJ Office in Stourbridge

Related Services