Brickflow Thinks

Can You Get a Mortgage on a Commercial Property?

Yes, you can get a mortgage on a commercial property, whether you’re buying premises for your business or investing in a property to let. For a complete overview of how these loans work, see our detailed guide on what a commercial mortgage is. Eligibility depends heavily on the property type, its intended use, your financial position, the deal structure and, for businesses, your trading history.

Commercial Mortgage Requirements: What Lenders Look For How They Differ

Commercial mortgage requirements come down to several factors including your deposit, how the property will be used, your trading history if it’s owner-occupied or the strength of the tenancy, and your business profile. Every lender assesses these core factors, but restrictions and limitations on how each is applied depends heavily on the lender type.

MarketWatch Q3 2026

Brickflow recorded 4,016 loan searches in Q3 2026, down 20% on Q2. The total property value searched fell 25% to £10.36 billion. But the headline slowdown masks differences between asset types, regions and the terms available from individual lenders.

This edition of MarketWatch examines search activity, lender appetite, interest rates and the gap between the highest and lowest net loans offered on the same scenarios.

Using Multiple Properties as Security for a Bridging Loan: Cross-Collateralisation Explained

Cross-security (or cross-collateralisation) means securing one bridging loan against two or more properties, rather than just one. Or more simply, using equity in one property to secure finance for another. Borrowers typically use it to reduce the cash deposit needed, or to increase the total amount they can borrow.

How to Avoid Bad or Unreliable Bridging Lenders in the UK

If you want to avoid bad bridging lenders, start with three things: know the warning signs, carry out proper due diligence, and compare multiple lenders from the breadth of the market before committing to one.

Five Development Finance Pitfalls to Avoid

Find out how to avoid 5 common development finance pitfalls. Covers: shopping around, due diligence, skill gaps, partners & planning for change.

The UK's Most Expensive Mistake

Property professionals spend months stress-testing GDVs, interrogating build costs, scrutinising rental yields and haggling over rates. Then pick a lender based on a broker relationship, a previous deal, or whoever offers the first loan. And that can be a costly mistake.

What Type of Borrower Are You?

How you approach funding can transform the outcome of every property project. From chasing headline rates to relying on familiar lenders, this blog explores the small habits that have a significant impact on your capital, your deal flow and your long-term returns. 

Death by Spreadsheet: The 9 Appraisal Errors Killing Your Profits

In property development, your appraisal is your roadmap. But if your roadmap is based on ‘Spreadsheet Bravery’ (using best-case assumptions for every input) rather than market reality, you’re not heading toward a profit, you’re heading toward a cliff.

Commercial Mortgage Terms

Commercial mortgage terms play a central role in long-term deal performance, so we're looking at how lender fit and flexibility can shape outcomes.

How to Find The Best Commercial Mortgages

Finding the best commercial mortgages is not as simple as looking for the lowest advertised rate. The ‘best’ lender is the one that gives you the strongest outcome for your specific project, based on leverage, cost, speed, appetite and certainty.

Top development finance lenders

Finding the top development finance lenders UK-wide is not about choosing the most recognisable name or the lowest headline rate. The strongest lender is the one delivering the best structure for your specific scheme, based on leverage, cashflow, speed, drawdown terms, appetite and exit flexibility.