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Owner-Occupied Commercial Mortgage
Finance the purchase of premises your business will trade from. Typically available up to 70–75% LTV with repayment terms of up to 25 years.
Finance Solutions
Commercial Property Finance, Done Properly.
Looking to buy commercial property or release equity from existing premises? We can help find the right solution.
£100,000 – £5,000,000+ typical 5–25 years term 24–72hr decisions 30+ lenders
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Commercial and semi-commercial mortgages
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Bridging finance for fast-moving transactions
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Long-term agricultural & rural land mortgages (5–30 years)
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Buy-to-let, HMO and mixed-use property lending
Why work with us
Independent advice.
Every time.
We're FCA-authorised and work for you — not the lender. That means searching a panel of 30+ specialist funders to find the deal that genuinely fits your business, not the one that pays the highest commission.
FCA Authorised
30+ Lender Panel
UK-Wide Coverage
Commercial Mortgages
Buy the premises your business operates from, or invest in commercial property. We find competitive rates across 30+ lenders.
Equity Release
Release equity from commercial property you already own to fund growth, refurbishment, or working capital needs.
Remortgage & Refinance
Already on a commercial mortgage? We’ll check whether you could get a better rate or release funds from your existing property.
Independent Advice
We search 30+ lenders to find the right property finance deal for you. A broker fee from £150 applies — always disclosed before you commit.
Structures & options
Types of Property Finance
We'll match you to the right structure and funder. Here's how the main options work.
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Commercial Investment Mortgage
Finance commercial property you intend to let to tenants. Assessed primarily on the rental income the property generates.
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Bridging Finance
Short-term property finance for time-sensitive purchases, auctions, or chain breaks. Fast to arrange, typically 1–18 months.
Simple process
From first call
to funded
Based anywhere in the UK — we handle every step from first enquiry to funds in your account.
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Tell us what you need
Call, email or fill in our short form. No obligation, no credit check at this stage — just a conversation about what you're trying to achieve.
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We search the whole market
We compare 30+ specialist lenders and identify the options that genuinely fit your business, your sector, and your circumstances.
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You choose the right deal
We present the shortlisted options in plain English. No upselling, no pressure — you pick what works, or we keep looking.
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Funds in your account
We handle all paperwork and liaise directly with the lender. Most applications receive a decision within 24–72 hours.
Who uses Property Finance
Popular in these sectors
Common questions
Property Finance FAQs
GDFS arranges a broad range of commercial property finance, including commercial mortgages for purchasing or refinancing business premises, semi-commercial mortgages for mixed-use properties, bridging loans for time-sensitive acquisitions, and buy-to-let mortgages for commercial landlords. We also arrange finance for HMOs, holiday lets, and portfolio landlords. Whether you are an owner-occupier buying your own premises or an investor building a commercial portfolio, we access specialist lenders who are active in these markets.
Ready to explore your Property Finance options?
A free, no-obligation conversation. We'll outline the best options available — no credit check required at this stage.