Commercial Mortgages in Abbey Wood

Commercial Mortgages in Purley

Commercial and semi-commercial finance for Purley, Kenley, Coulsdon and CR8.

Purley and the surrounding areas have a mix of high-street units, local parades, offices and mixed-use buildings. Whether you’re a business owner buying your own premises or an investor acquiring commercial assets, tailored finance can make a big difference.

We explain how commercial lenders assess local properties and, when regulated advice is required, introduce you to FCA-authorised commercial mortgage advisers.

Common Commercial Properties in CR8

  • Shops and cafés on Purley High Street and Brighton Road.
  • Local offices and clinics.
  • Mixed-use – retail with flats above.
  • Small industrial or trade units in nearby estates.

Why Consider a Commercial Mortgage?

  • Secure your own premises and reduce reliance on landlords.
  • Refinance to improve terms or raise capital.
  • Purchase investment property with commercial tenants.
  • Fund refurbishment or extension projects.

What Do Lenders Look At?

Property & Use

  • Type of business/use class and planning.
  • Condition of the building and any works required.
  • Suitability as security and resale prospects.

Income & Affordability

  • Business accounts and profits for owner-occupiers.
  • Rent levels and lease terms for investment properties.
  • Debt service coverage ratios and LTV.

Borrower Profile

  • Experience in your sector or as a landlord.
  • Personal and company credit history.
  • Other borrowing and security available.

Our Role & FCA Disclaimer

We are not authorised to offer regulated mortgage advice. Instead, we:

  • Talk through your commercial property plans and objectives.
  • Introduce you to FCA-authorised commercial advisers who can recommend specific lenders and structures.
  • Help you consider how any new loan fits with your wider property and mortgage position.

Useful Links

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

Commercial Mortgage FAQs — Purley

Can I buy a property that’s partly residential and partly commercial?

Yes, that’s usually classed as semi-commercial and financed via specialist lenders rather than standard residential providers.

Is a personal guarantee always required?

In many cases, yes – especially for limited companies. A commercial adviser can explain how this works and what lenders expect.

Planning a Commercial Purchase in Purley?

If you’re looking at commercial or mixed-use property in Purley, Kenley or CR8, get in touch to explore your options.

🧮 Mortgage Calculator for Abbey Wood 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 - 02036 705 738

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 Abbey Wood 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 Abbey Wood 

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