Commercial Mortgages for Retailers
Whether you're buying the shop you already trade from, opening a second location, or releasing equity from a property you own, a commercial mortgage lets retailers put down permanent roots instead of paying rent indefinitely. Sadi's Commercial Finance arranges commercial mortgages for retail businesses across the UK, matching lenders who understand retail trading and footfall.
Who it's for: retailers buying their own shop premises, using equity in one property to fund a second location, or refinancing an existing retail unit.
How it works: we assess your trading profits (for owner-occupied premises) or rental income (for investment units), your deposit or available equity, and your goals, then source terms from lenders who specialise in retail property.
Why retailers use commercial mortgages
- Fixes your occupancy cost instead of being exposed to rent reviews
- Builds an asset on the balance sheet rather than paying into a landlord's
- Equity in an existing property can fund expansion into a second location
- Staged drawdown options available for purchases involving fit-out or refurbishment
Why use Sadi's Commercial Finance
Retail lending varies significantly by location, footfall and use class — some lenders are cautious on high street retail, others specialise in it. We know which lenders are actively lending on retail premises right now, so you avoid dead-end applications and get workable terms.
Case study
A London-based retailer secured £750,000 to purchase a second location, using equity from their existing property. We arranged a 5-year fixed-rate mortgage with staged drawdown to support the purchase and fit-out.
Can I use equity in my current shop to buy a second location?
Yes — releasing equity from a property you already own is a common way retailers fund expansion into additional sites.
How much deposit do retailers typically need?
It varies by lender and property, but commercial mortgages typically require a meaningful deposit or equity stake — we'll help you understand what's realistic for your situation.
What if my retail unit is above or below other premises?
Mixed-use and multi-let buildings can usually still be financed — lenders assess the retail element alongside the wider building, so it's worth discussing your specific property.