Five Star Mortgages

At Five Star Mortgages, we help business owners, property developers, and investors secure commercial mortgage finance tailored to their objectives. As an independent, whole-of-market commercial broker, we have access to a wide range of lenders, including specialist products that are only available through intermediaries.

Whether you are purchasing your first commercial premises, refinancing an existing property, or expanding your portfolio, we provide guidance throughout the process from initial enquiry through to completion.

Commercial Mortgages
Commercial mortgages are designed for properties used for business purposes, including offices, retail units, warehouses, industrial premises, and mixed-use buildings. We search across a broad panel of commercial lenders to help identify suitable funding solutions based on your business requirements and long-term plans.

Semi-Commercial Mortgages
We also arrange finance for semi-commercial properties, where residential and commercial elements are combined within the same building. This may include shops with flats above, pubs, restaurants, or other mixed-use premises. These cases can be more complex, but we have experience helping clients navigate the additional lender criteria often involved.

Buying vs Renting Business Premises
Purchasing commercial premises can allow businesses to build long-term value rather than continuing to pay rent to a landlord. Ownership may also provide greater flexibility to adapt, refurbish, or develop the property in line with future business needs. We can help you assess whether purchasing is the right financial decision for your circumstances.

Independent Advice Focused on Your Goals
Commercial lending often involves stricter underwriting and more specialist criteria than residential mortgages. Our role is to guide you through the process, explain your options clearly, and present your application as strongly as possible to lenders.

As an independent broker, we work on your behalf, not the lender’s, ensuring recommendations are based on what best suits your needs.

Get in touch today to arrange your free initial consultation and discuss your commercial finance requirements.