Assistance with commercial mortgages

Commercial Mortgages in Birmingham & West Midlands

Hassle-free commercial mortgages delivered by experts that suit your needs, whether you are a solo entrepreneur, a limited company or a business owner.

 

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Commercial mortgages for your business

Planning to refurbish or expand your existing commercial property? Or maybe you are looking at opening brand new business premises? Whatever your commercial property ambitions are,  a commercial mortgage could ensure that you achieve your goal in a cost-effective and easy-to-manage way. 

As businesses vary greatly, their finance needs do as well. This means that there are no one-fits-all solutions when it comes to commercial property mortgages. With years of industry experience under their belt, our business finance specialists, here at Apt Pay will take into account your circumstances and needs to ensure you get the best deal on your commercial mortgage.

We have helped businesses across Birmingham and the rest of the West Midlands with their commercial mortgages needs. Our expert team can arrange a meeting with you to further discuss all the details you need to know.

What is a commercial property?

A commercial property is any property that is used for business purposes. This could be an office, and an office block, an apartment complex or large home that you intend to rent out, a shopping centre or an industrial warehouse. Commercial properties can bring significant revenue to a huge number of businesses. From start-ups looking to secure their own office space as an asset, rather than renting out workspace owned by another business, to landlords and property developers looking to build the most profitable portfolios, to successful industrial or retail businesses who are looking to expand and service an even greater number of customers.

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Saman Hassan profile picture
Saman Hassan
6 June 2026
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I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
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Anita Kaur
26 May 2026
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I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
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JJ_n_TY Chitiyo
22 May 2026
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Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
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Brenda Chikosha profile picture
Brenda Chikosha
25 April 2026
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My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
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Caphas Chisangowerota
22 April 2026
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Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
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MUHAMMAD ZAMAN WARRAICH
17 April 2026
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My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
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Robin Sharma
14 April 2026
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We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
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isaac ogundiran
10 April 2026
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I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
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Rebwar
24 March 2026
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Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

Why arrange a commercial mortgage?

In the same way as you would take out a residential mortgage to purchase your home, a commercial mortgage provides you with a loan that will help you to secure the perfect property for your business. Better still, these mortgages are designed to help your business to grow and therefore have very low rates.

Finding the right commercial mortgage for you

Having worked with commercial property mortgage providers not only in Birmingham and the West Midlands but across the UK for years, we have built excellent relationships with some of the best-regarded lenders in the industry. These relationships allow us to secure some of the most favourable business mortgage rates on the market for our clients.

Every business is different, so every commercial mortgage needs to be different too. We understand this, as does every firm that we partner with. Whatever your business needs, we can find a repayment plan that fits your turnover, to give you total peace of mind whenever you take out a commercial mortgage with us.

Our commercial mortgage services at a glance

  • Mortgages tailored to your needs
  • Securing the best rates 
  • Working with trusted lenders
  • Flexible repayment options
  • Fast money transfer after approval
  • Personal consultation & expert advice

business-consultation

Why choose AptPay?

Our friendly, experienced staff will listen to your commercial property goals and then map out a way forward so that you achieve these goals and many more. If a commercial mortgage is right for your business,  we’ll pay the cash into your account as quickly as possible on approval, because we know that your business doesn’t have time to wait. 

If you’re fed up with phoning a big bank and pressing 2 to discuss a complex financial matter with a robot and would like to have this discussion in person with a kind and knowledgeable human, then we would love to meet you.

Where Do We Secure Commercial Mortgages?

We’ve secured commercial mortgages for properties across the Greater Midlands. If you have offices outside of Birmingham City Centre and need to expand into this commercial hub, we can help to facilitate this expansion. Likewise, if you’re currently based in the heart of Birmingham’s business community and are looking to expand into lucrative regional hubs such as Solihull, we can find you the perfect mortgage to secure the perfect commercial property in this wonderful town.

What about elsewhere?

We also find properties for growing businesses, established SMEs and innovative start-ups across the Black Country. Whichever part of the Midlands you’re choosing to build your business empire in, will make sure that you have the finance you need to secure an HQ that will set you apart from your competitors.

Equally, the scale of properties and lenders to which we have access also makes us an excellent choice for property investors, who are looking to create or develop diverse and lucrative portfolios.

Am I eligible?

We’ll need to see your business’s accounts and know about any profits or losses that you’ve experienced. 

Even if a commercial mortgage might not be the best way forward for your business right now, have a chat with us because we may be able to find another financial solution to help you to grow your business. 

If you are a business in Birmingham and the rest of the West Midlands, don’t hesitate to get in touch with us. One of our team members will be happy to advise you on the best commercial mortgages options available for you.  

What is a commercial property?

What is a commercial mortgage?

A commercial mortgage supports the purchase or remortgage of commercial properties. You can also refurbish or develop a property that is being used solely for business intents. Most of the time, the institutions or people who can provide commercial mortgages include brokers, high street lenders and banks.

What types of commercial mortgages are there?

There are two types of business mortgages: owner-occupier commercial mortgages and commercial investment mortgages.

Who are commercial mortgages for?

Business owners are usually using owner-occupier commercial mortgages for purchasing or remortgaging commercial premises occupied by owners. This includes office spaces.

Commercial property investors are usually the ones that use commercial investment mortgages. Some of these investments will be invested in multiple occupations (HMO).

Do you offer commercial mortgages services to businesses of all sizes?

Yes, we offer commercial property mortgages for all businesses across the UK.

How does a commercial mortgage work?

A commercial property mortgage is often used to secure the funds necessary to buy new business premises or when a major commercial property development is on the way. Long-term repayment plans can be arranged (up to 25 years). As the majority of commercial property mortgages offer up to 70% of the total value of the property, you will need to demonstrate that your business has the means to cover the remaining amount.

What is the term for a commercial mortgage?

Terms for commercial mortgages vary on a case-to-case basis (generally, between 5-20 years) and in many cases the loan term is much shorter than the amortization period.

How do I apply for a commercial property mortgage?

If you wish to arrange a commercial property mortgage, please get in touch with one of our team members on 020 3103 0022 or at info@aptpayment.co.uk and we will be able to schedule a meeting with you.