Keevelia Mortgage Solutions Expands Into Commercial Mortgage Services
We’re excited to announce that Keevelia Mortgage Solutions is now offering Commercial Mortgage advice — helping business owners, property investors, and developers across Kent and beyond access finance for commercial and mixed-use properties.
For years, we’ve supported homebuyers and property owners with residential mortgage and protection advice. Now, we’re extending that same trusted service to the business world — providing tailored solutions for those looking to buy, refinance, or invest in commercial property.
What Exactly Is a Commercial Mortgage?
A commercial mortgage is a type of loan used to purchase or refinance property that’s intended for business or investment purposes — rather than as a personal home.
Unlike residential mortgages (which are secured on properties you live in), commercial mortgages are designed for:
🏢 Business owners buying premises for their company (e.g. an office, shop, or warehouse).
🏪 Investors purchasing property to rent to other businesses.
🏗️ Developers buying land or buildings for commercial projects.
🏘️ Landlords purchasing mixed-use properties — such as a shop with flats above.
How Does a Commercial Mortgage Work?
While similar in structure to a residential mortgage, commercial mortgages are usually more bespoke and based on the strength of the business or investment.
Here’s how it typically works:
1️⃣ Deposit – Most lenders require a deposit of around 25%–40% of the property’s value, depending on your circumstances.
2️⃣ Loan Term – Usually between 3 and 25 years, depending on the purpose and the type of property.
3️⃣ Interest Rates – Rates are often slightly higher than residential mortgages because they’re considered higher risk. However, with the right broker, you can access competitive deals that suit your situation.
4️⃣ Repayment Type – Options include repayment (capital + interest) or interest-only — useful for investors looking to manage cash flow.
What Do Lenders Look For?
Every lender has their own criteria, but generally they’ll assess:
Business performance — including turnover, profits, and future projections.
Property type and location — commercial premises can vary hugely in value and demand.
Loan-to-value (LTV) — how much you’re borrowing versus the property’s worth.
Deposit and security — a larger deposit or strong asset base can unlock better rates.
Applicant profile — your experience, credit history, and business background.
The process is more in-depth than a standard residential application, which is why working with a specialist broker is key.
How Keevelia Can Help
At Keevelia Mortgage Solutions, our role is to simplify the process and find a commercial mortgage that fits your exact needs.
We’ll:
✅ Assess your goals — whether that’s buying your first premises, expanding your portfolio, or refinancing an existing loan.
✅ Compare options from multiple lenders — including high-street banks, challenger lenders, and specialist providers.
✅ Negotiate the best terms — so you get a deal that supports your cash flow and business growth.
✅ Handle the paperwork — saving you time, stress, and confusion.
We take the same personal approach we’re known for in residential mortgages — clear communication, honest advice, and genuine care for our clients’ success.
Who Can Benefit from a Commercial Mortgage?
Here are some examples of clients who might consider one:
A local café owner in Kent buying their own premises instead of renting.
A landlord purchasing a mixed-use building (shop + flats).
A logistics company investing in a warehouse for expansion.
A property investor refinancing a commercial portfolio to release equity.
A professional looking to buy an office space for their growing business.
If you’re self-employed, run a limited company, or have ambitions to expand, a commercial mortgage could be the key to your next big move.
Why Choose Keevelia?
Because we’re not just about numbers — we’re about people and possibilities.
As a Kent-based broker, we understand the local market and have built strong relationships with lenders who specialise in commercial finance. We know that every business has its own story — and we tailor our advice to fit yours.
When you work with us, you’ll get:
💬 Straightforward advice — no jargon.
💷 Access to a wide panel of lenders.
📄 A smooth, transparent process from start to finish.
Ready to Explore Your Options?
If you’re thinking about buying or refinancing a commercial property, now’s the time to talk to us.
Whether it’s your first step into business property ownership or your next big investment, our expert advisers are here to help you find the right path forward.
📩 Get in touch today to arrange your free initial consultation. https://link.keeveliamortgagesolutions.co.uk/widget/bookings/kms
Let’s make your business ambitions a reality.