Clark Mortgage

Email icon for Clark Mortgage enquiries

enquiries@clarkmortgage.co.uk

Specialists In: Complex Income, Adverse Credit, Portfolio Landlords, Development

Commercial Mortgages That Move Your Business Forward

Specialist Commercial Mortgage Advice for Business Owners, Investors and Developers

Clark Mortgages provides whole-of-market commercial mortgage solutions for business owners, investors and developers across Chester, Cheshire and the UK. Whether you’re purchasing premises, expanding your portfolio, funding a development or navigating a complex commercial scenario, we structure funding that supports long-term commercial success — not just your next transaction.

We work with high-street banks, specialist commercial lenders and niche providers only available through brokers. Even if your circumstances are complex, we build a funding route that works for you.

Commercial Finance Built Around Real Businesses, Not Perfect Scenarios

Commercial lending is rarely straightforward – and that’s exactly where we excel. We help clients with:

Purchasing commercial premises for business use

Commercial investment mortgages for income-generating properties

Bridging and development finance for refurbishments and new builds

Chain breaks or un-mortgageable properties

SIPP and SSAS commercial property purchases

Semi-commercial and mixed-use properties

Business expansion or relocation

Refinancing or restructuring existing portfolios.

At Clark Mortgages, we specialise in structuring commercial mortgage deals for real-world businesses – including those with complex income, short trading histories, tax-efficient setups or previous credit challenges.

Commercial Mortgage Solutions for Every Type of Project

At Clark Mortgages, we provide a full suite of commercial mortgage solutions tailored to the unique needs of businesses, investors, and property developers.

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Owner-Occupied Commercial Mortgages

For business owners ready to stop renting and invest in their own premises. Offices, warehouses, retail units - we secure competitive terms that support your cash flow and long-term growth

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Commercial Investment Mortgages

For investors purchasing offices, retail premises or industrial units. We work with lenders who understand complex leases, multi-income structures and long-term investment strategies.

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Commercial Mortgage Refinancing

Release equity, reduce monthly costs or restructure your portfolio. We secure refinancing solutions that support expansion, consolidation or strategic repositioning.

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Semi-Commercial Mortgages

Shops with flats above, pubs with accommodation, mixed-use units - we secure funding for properties that fall outside standard criteria.

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Complex Income & Credit Situations

SPVs, LLPs, multi-revenue businesses, tax-efficient structures, adverse credit - we structure cases manually and present them directly to underwriters

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Interest-Only & Flexible Repayment Options

We source lenders offering interest-only periods, flexible terms and repayment structures that align with seasonal or variable income.

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Development & Refurbishment Projects

From light refurbishments to full commercial developments, we arrange bridging and development finance for expansions, conversions and new-build projects.

Discuss Your Project or Investment Plans

Your Commercial Mortgage, Structured for Success

01

Initial Consultation

We understand your business model, financial position and commercial goals.

02

Proposal & Pre-Approval

We outline funding routes, likely terms and strategic options.

03

Lender Match

We approach the most suitable lenders, including specialist and off-market providers.

04

Completion & Support

We manage the process end-to-end, coordinating lenders, solicitors and valuations until funds are released.

Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Why Business Owners and Investors Trust Clark Mortgages?

Clark Mortgages is more than a broker – we are your strategic commercial funding partner

We specialise in cases that traditional lenders decline – and we succeed where automated systems fail.

Frequently Asked Questions

What is a commercial mortgage and how does it work
A commercial mortgage is a loan used to purchase or refinance commercial property. The lender assesses the business, income, property type and long-term viability before offering terms.
Business owners, investors, landlords, developers, SPVs, LLPs and pension schemes (SIPP/SSAS) can all apply.
Typically between 65% and 75% LTV, depending on the property type, income and lender
Most lenders require 25% to 35% deposit. Higher deposits may be needed for specialist or non-standard properties.
Yes. We work with specialist lenders who consider the full picture, not just your credit score.
Absolutely. Many business owners use commercial mortgages to purchase their own premises and reduce long-term costs.
Offices, warehouses, retail units, industrial units, mixed-use buildings, semi-commercial properties and more.
Commercial mortgages are assessed on business performance, lease income and property type, not just personal income.
Yes – to release equity, reduce costs or restructure your portfolio.

Yes. We specialise in structuring SIPP and SSAS commercial property purchases.

Typically 6 to 12 weeks depending on complexity, valuations and legal work.

Common reasons include property type, credit issues, short trading history or
insufficient income – all areas we can help resolve.

Yes. We specialise in complex and previously declined cases.

Bridging finance is short-term funding used for fast purchases, refurbishments or unmortgageable properties.

Ready to Secure the Right Commercial Mortgage for Your Business or Investment

Whether you’re purchasing premises, expanding your portfolio or funding a development, we structure commercial finance that works for your long-term goals.
Adviser helping client with mortgage application