Commercial Mortgages in Woking

Securing space for growth or purchasing a commercial investment in Woking? From town-centre retail to offices near the station and light industrial around Sheerwater, we help owners and investors structure competitive commercial mortgage applications. If a formal recommendation is required, we’ll connect you with an FCA-regulated adviser.

How We Help

• ✔ Identify the right lender set for your sector
• ✔ Compare rates, arrangement fees and valuation/legal packages
• ✔ Build lender-ready packs: accounts, leases, rent schedules and forecasts
• ✔ Coordinate valuation and solicitors to avoid delays

Lender Priorities

• 💡 Affordability: EBITDA/DSCR for owner-occupied; rent cover and lease length for investment
• 💰 LTV & deposit: Typically 60–70% LTV
• 👤 Experience: Sector track record and management strength
• 🏢 Asset quality: Location, EPC, condition and re-lettability

Property Types

• 🏬 Retail, hospitality and mixed-use
• 💼 Office suites and serviced spaces
• 🏭 Light industrial, trade counters and storage
• ⚕ Semi-commercial and professional practices

Local Notes

📍 Woking’s commuter economy supports diverse uses; lenders scrutinise lease terms on investment stock and cost efficiency on owner-occupied acquisitions. Clear evidence of demand and achievable rents strengthens valuation cases.

Commercial Mortgage FAQs

Can I refinance to release capital?

✔ Often yes, subject to DSCR, valuation and use of funds.

Are fixed and variable rates available?

✔ Yes — terms vary by lender, sector and risk profile.

Will personal guarantees be required?

✔ Common for SME borrowing; extent depends on leverage and covenant strength.

Can a start-up obtain finance?

✔ Possible with strong plans, assets and/or additional security — pricing may be higher.

Next Steps

📌 Send property details, leases (if any) and accounts. We’ll map options and connect you with an FCA-regulated adviser to proceed.