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Commercial Mortgages for Retail Businesses

A vibrant and varied retail offering is the cornerstone of any town centre, and the ‘bricks and mortar’ part of the sector is continuing to perform very well in the face of competition from online retailers.

Retail is a relatively straightforward sector in which to operate. Turnover volumes can be high, producing a good return for those who choose to invest in convenience stores, supermarkets, off-licences and petrol forecourts, for example.
Whether you are entering the retail sector for the first time, or are looking to grow your existing retail business, Christie Finance will help you get the funding you need.

As an independent broker, Christie Finance is not tied to any particular lender. We have established and trust-based relationships with the leading lending institutions. We know which ones are financing the retail sector, and whom to approach to get the best deal for you.

Retail loan features

The terms of a commercial loan against a retail property will vary considerably from lender to lender but, as a general rule, the following will apply:

70% - 100%
loan to business value ratio
year mortgage term
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The Christie Finance Team

At Christie Finance we understand that running your own retail outlet is an ambition held by many and that the key is to realise it in a way that works for you personally and financially. Our experienced Consultants will be with you all the way – guiding you through the finance options and mortgage application process, from your initial enquiry to completion. But we don’t leave it there: We are always available to discuss and review your commercial mortgage to ensure it is as competitive as possible.

Key considerations
When you are thinking about buying a business there are various things that both you and a potential lender will need to consider:

  • Experience – do you have the right level of experience to run the business? How will you run it?

  • Performance – how well is the business doing? Is it in a good location? Is there enough profit in the business to be able to repay a loan easily and allow you to take enough out of the business for yourself?

  • Contribution – what are you able to invest in the business (savings, other properties, etc.)?

  • Personal history – do you have a clear credit history?

Christie & Co have over 210 independent retail properties currently listed, with new businesses added regulary.

View All Businesses

Factors Affecting Your Loan Application

There are a number of factors which can help to make your retail application more attractive to a lender:

  • A deposit of 30% or more
  • Additional security
  • Business plan
  • Proof of experience
  • Good credit history
  • Two years' trading accounts and income projections
  • Strong proposal from Christie Finance

Our commercial mortgage services

We’ve been helping first-time buyers and existing business owners secure funding for over 35 years.

What makes Christie Finance different?


National coverage across the UK

Project management

From intial enquiry to completion - saving your precious time and money

Quick responses

Rapid business and commercial mortgage decisions

Relationship - C&Co

Our brokers can access the best new businesses for sale

Specialist knowledge

Over 40 years experience in our specialist sectors

Tailored loan options

Fixed and discounted rate available

The 'Christie' name

Adds credibility to the proposal - buying you a better deal

We are independent

We have no tie to any one lender

Find out more about commercial mortgages