Do you offer property finance or commercial mortgages?
Short answer
No. Best Business Loans does not provide property finance or commercial mortgages directly, and we do not currently support commercial mortgage applications through our platform.
We act as an independent introducer that helps UK businesses explore non-property business finance and find appropriate lenders or FCA‑authorised brokers for the types of funding we support.
Our role: introducer, not a lender
Best Business Loans is a technology platform that helps established UK businesses explore commercial finance options using AI-driven matching and an established network of lenders and brokers.
We do not lend money, and we do not underwrite or issue commercial mortgages or property finance products ourselves.
Where appropriate, we introduce businesses to lenders or FCA‑authorised brokers who specialise in the relevant product types, but we do not currently process or support commercial mortgage applications on our platform.
Regulatory and compliance note
Because mortgages and many property-secured products fall under FCA regulation, Best Business Loans must remain clear and compliant about the services we offer.
We do not provide regulated mortgage advice and are not an FCA-authorised mortgage lender or broker.
What is commercial property finance and why it matters
Commercial property finance covers a range of products used to buy, develop, refinance or secure business premises and investment properties.
Common forms include commercial mortgages (first‑charge loans on business property), development finance for building projects, bridging finance for short-term liquidity, and specialist investment loans for leased commercial assets.
These products are complex, often secured against property, and frequently require specialist underwriting, security documentation, and (for regulated cases) FCA-authorised advisers or firms.
Key features of property finance
Property finance is typically secured and can carry different repayment structures, interest rates, and loan‑to‑value (LTV) limits compared with unsecured business loans.
Decisions often depend on property valuation, tenant covenants, the borrower’s trading history, and project viability for development funding.
Why we don’t offer commercial mortgages through our platform
Providing or arranging commercial mortgages can require specific authorisations and compliance checks under the Financial Services and Markets Act (FSMA) and the FCA’s MCOB rules.
Best Business Loans focuses on non-property business finance categories where our AI matching and introducer model adds the most value to established SMEs and asset-rich businesses.
For regulated mortgage products, we will always recommend seeking an FCA‑authorised mortgage broker or lender who is qualified to give personalised and regulated advice.
How this affects you
If you are looking specifically for a commercial mortgage or development finance, we cannot submit an application for you via our Quick Quote process at this time.
We can, however, help you understand alternative funding routes and point you towards the types of specialists who typically handle property finance.
Practical guidance: what to do if you need property finance
If you need property finance, start by clarifying the purpose: purchase, refinance, development, or bridging, and gather property valuations, business accounts, and lease or tenancy details.
Next, contact an FCA‑authorised commercial mortgage broker or specialist lender who can assess whether the case is regulated and advise on the most appropriate product and risks involved.
Ask advisors for clear cost breakdowns, timelines, security requirements and any commercial exit strategies if the loan is short term or development‑focused.
Checklist: documents and information lenders commonly request
Recent business accounts, management accounts, and cashflow forecasts for trading businesses are typically required.
Property details such as independent valuations, evidence of title, tenancy agreements, and planning permissions (for development loans) are usually needed.
How Best Business Loans can still help you move forward
Although we do not support commercial mortgage applications, Best Business Loans can help with many other commercial finance needs such as asset finance, equipment loans, invoice finance, working capital and refinancing options.
If your requirement includes non-property funding or a mixed funding package, our AI-driven Quick Quote tool can identify suitable lenders and brokers for those elements.
You can check the range of business loans we support and begin a quick eligibility check on our business loans page: business loans.
Next steps and how to contact us
For a no‑obligation eligibility check for the business finance types we match, complete our Quick Quote form and our system will assess options within minutes.
If you specifically require property or commercial mortgage advice we will signpost you to FCA‑authorised specialist brokers and share guidance to help you prepare for their application process.
Key takeaways
Best Business Loans does not supply, underwrite or arrange commercial mortgages or property-secured finance through our platform.
If you need property finance, seek an FCA‑authorised commercial mortgage broker or specialist lender and prepare detailed property and business documents before applying.
If you need non-property business funding, submit a Quick Quote and our AI will match you to suitable lenders or brokers for the products we support.
Further guidance and responsible advertising
We aim to make all public information clear, fair and not misleading and to follow FCA and Advertising Standards Agency guidance on financial promotions.
Any contact we facilitate with finance professionals will be with parties selected for relevance to your enquiry, and we encourage you to check that advisers are FCA‑authorised before accepting regulated advice.
If you’d like help understanding non-property options or want an eligibility check, please submit a Quick Quote on our site and we’ll guide you to the next suitable steps.