Commercial Mortgages in Longfield

Commercial Mortgages in Longfield

Commercial and mixed-use mortgages for Longfield, New Barn, Hartley and DA3. Longfield and the surrounding villages have a mix of small business premises, local parades and semi-rural commercial units. Whether you’re a trading business buying your first premises or an investor expanding a local portfolio, we can help you explore commercial finance options. We set out how lenders view local commercial property and, where regulated advice is required, introduce you to FCA-authorised commercial mortgage advisers.

Types of Property

  • Shops and units with flats above.
  • Workshops, yards and small industrial units.
  • Offices and treatment rooms.
  • Owner-occupied premises for established trades and services.

Why Use a Commercial Mortgage?

  • Move from renting to owning your own premises.
  • Refinance to reduce costs or raise capital.
  • Fund refurbishments or expansion.
  • Acquire additional commercial investments.

What Lenders Look At

Property & Location

  • Business use, planning class and location.
  • Condition and suitability as security.
  • Local demand and future resale prospects.

Business / Tenant Strength

  • Trading accounts and profitability for owner-occupiers.
  • Rent levels and tenant covenant for investments.
  • Stability of the sector you operate in.

Borrower Profile

  • Experience running a business or managing property.
  • Credit history and other commitments.
  • Company structure and guarantees.

Our Role & Disclaimer

We do not provide regulated commercial mortgage advice. We will:
  • Discuss your plans and outline the typical criteria.
  • Introduce you to FCA-authorised commercial advisers who can recommend specific lenders and products.
  • Help you think about how commercial borrowing fits with any residential or buy-to-let finance.

Useful Links

Buy-to-Let Mortgages · HMO Financing · Remortgages · Contact Us

Commercial Mortgage FAQs — Longfield

Can I get 100% finance for a commercial property?

True 100% commercial finance is rare. In most cases a significant deposit or additional security is required.

How long does a commercial mortgage take?

Timescales vary, but you should allow several weeks to a few months from application to completion, depending on complexity.

Buying Premises in Longfield?

If you’re considering a commercial or mixed-use property in Longfield, Hartley or DA3, get in touch for an initial discussion.

🧮 Mortgage Calculator for Longfield Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today - 01277 548 043

Please feel free to complete our form and one of our friendly team will happily contact you.


Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.
Phil West
James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.
Paul H
They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!
Luke Silk
Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!
Cath Jones

Mortgage Broker Longfield is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC) 

Mortgage Broker Longfield

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