Buying, refinancing or raising capital against an office, studio, professional practice premises or small business headquarters? Count Ready helps you understand whether the property, borrower, income evidence, deposit and timescale are likely to fit commercial lender criteria.
Yes, many UK office premises can be considered for commercial mortgage lending. The route depends on whether the office is owner-occupied or let to tenants, the property tenure and condition, the deposit or equity, business accounts or rental evidence, valuation, credit profile and the purpose of the borrowing.
Office mortgage enquiries can look straightforward, but lender appetite changes depending on occupation, lease strength, building type, location, service charges and the borrower’s evidence.
Your company, partnership or sole-trader business wants to buy premises it will use. Lenders usually look at accounts, management experience, business affordability, deposit source and whether the premises suit the business plan.
You are buying or refinancing an office that is let to one or more tenants. Lenders may focus on lease length, tenant quality, rent, void risk, building condition, valuation and landlord experience.
You already own an office and want to review terms, release equity, restructure borrowing or exit short-term finance. Current balance, valuation, repayment history and the purpose of funds become important.
Office lending is about more than the headline property value. Lenders want to know how the building will produce or support income and how easy it would be to re-let or sell if circumstances changed.
Count Ready can help you decide whether the case is ready for lenders or whether it needs better evidence before a formal application.
The same office building can need a different lender route depending on who uses it and how income is evidenced.
The trading business is central to the case. Lenders may review accounts, profit, turnover, bank conduct, existing finance, management experience and whether the premises are proportionate for the business.
The lease, rent and tenant matter. A strong occupational lease can help; a vacant or short-lease office may need more explanation, stronger equity or a more specialist lender route.
Flexible-office income can be harder to assess because occupancy and contracts may change quickly. Lenders may ask for a clearer trading record, occupancy history and management evidence.
Accountants, solicitors, consultants, clinics and similar professional firms may be considered, but lenders still assess accounts, property suitability, regulatory or lease restrictions and repayment strength.
An office can look suitable while the lease, occupation plan or running costs create questions later. Check these points early so your broker can explain the case accurately and avoid preventable delays.
Confirm the remaining lease term, ground rent, service charge, rent-review dates, breaks, repair duties, permitted use and any restrictions on assignment, subletting or alterations. A lender and valuer will consider the actual lease, not only the headline price.
Explain whether the building will be owner-occupied, single-let, multi-let or operated flexibly. For an investment or serviced office, prepare current occupancy, lease or licence terms, incentives, comparable rents and evidence of local demand. Hybrid-working patterns may affect different locations and building types differently.
Obtain the current EPC where required and identify significant repairs, fit-out or energy-efficiency works. GOV.UK says a commercial EPC is generally required when premises are sold or rented, subject to exemptions. Condition and future expenditure can affect affordability, valuation and marketability.
Check that the proposed use is authorised, whether works or a material change of use need permission, and the rateable value and likely rates position. Mixed-use, converted and specialist premises may need extra legal or planning evidence.
There is no single deposit figure for every office mortgage. The lender will usually consider loan-to-value, valuation, borrower strength, business or rental evidence, property condition, lease length, service charges and the wider marketability of the office.
Some cases may need more equity where the building is vacant, the lease is short, the office is highly specialised, the borrower has limited trading history or rental evidence is weak.
You do not need to collect every document before asking for advice, but these basics help an adviser understand the route and likely lender questions.
Address, sales particulars, tenure, floor area, condition, service charge, purchase price or estimated value, existing lease details and whether the office is vacant or occupied.
For owner-occupied offices, accounts and bank statements. For investment offices, lease, rent, tenant details and occupancy history. For serviced offices, trading and occupancy data may help.
Deposit or equity, borrowing amount, ownership structure, credit background, business experience, existing commitments, deadline and reason for buying or refinancing.
Read the original Google reviews before you enquire, rather than relying only on selected website quotes.
Office mortgage decisions can involve valuation fees, legal work, lease review, business accounts and timing pressure. It is sensible to check how an adviser communicates before you move forward.
We link directly to the live Google profile so visitors can read feedback in context.
Commercial borrowing can create risk for a business, directors and property owners. Where relevant, Count Ready can discuss related insurance needs alongside the mortgage conversation.
Share the property type, purchase price or value, loan amount, deposit or equity, occupancy position, income evidence and deadline. We will review the case and explain the lender routes worth considering.
Possibly. Lenders will assess the office property, borrower, deposit, income evidence, valuation, tenure, credit profile and repayment route before deciding whether the case fits their criteria.
Yes, some companies use an owner-occupied commercial mortgage to buy office premises. Lenders usually review company accounts, business affordability, bank statements, deposit source, directors and the suitability of the property.
Possibly. The lender may review the lease, rent, tenant profile, vacancy risk, landlord experience, valuation, property condition and loan-to-value before offering terms.
They can be more specialist because income may depend on flexible occupancy and short agreements. Lenders may want stronger management evidence, trading history, occupancy data and a clear explanation of the business model.
It may be possible where the valuation, current balance, income evidence, loan purpose, borrower profile and repayment plan support the new borrowing.
Prepare the address, tenure, price or value, floor area, occupancy details, deposit or equity, accounts or rental evidence, borrowing amount, credit background and deadline.
Requirements vary with the valuation, occupancy, business or rental strength, tenure and lender risk. Vacant, specialist or short-lease offices can require more equity. Prepare the purchase price or value, required loan and source of deposit before asking for terms.
Some lenders consider vacant or partly vacant offices, but lender choice may narrow. They will want to understand why space is empty, the marketing or reletting plan, local demand, carrying costs and how repayments will be supported until the office is occupied.
Yes. Remaining lease length, ground rent, service charges, repair obligations and management arrangements can affect valuation, affordability and the lender’s security. Share the lease and recent service-charge information early so these issues can be reviewed.
Potentially. Lenders may assess both the trading business and the tenant or rental element, including how much space each party occupies, lease terms, rent and void risk. The proposed ownership and occupancy structure should be explained clearly from the start.
Office premises mortgage enquiries are assessed case by case. Share the property and borrowing details first so Count Ready can explain what lenders are likely to ask and whether the case looks ready to progress.
Last updated: July 2026. This page provides general information about office premises mortgages. It is not a mortgage offer or a guarantee that a lender will accept a case.
