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Commercial Mortgages

Tailored funding for business owners, property investors, and developers across Ireland — structured around your long-term financial goals.

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Commercial property and business mortgages

Tailored funding for business & investment

Whether you are purchasing, refinancing, or expanding your portfolio, we provide structured funding solutions designed to support your long-term financial goals.

  • Purchase or refinance commercial and semi-commercial property
  • Structured around rental income, business performance, and asset value
  • Flexible solutions tailored to each client's requirements

What is a Commercial Mortgage?

  • A loan secured against commercial or semi-commercial property
  • Used to purchase or refinance offices, retail units, warehouses, and mixed-use buildings
  • Typically structured based on rental income, business performance, and asset value
  • Offers flexible terms tailored to each client's situation

How we support your funding journey

A full advisory and brokerage service, ensuring you secure the right finance on the most suitable terms.

Funding strategy & structuring

Assess your borrowing capacity and investment objectives. Structure facilities based on income, LTV, and repayment profile. Advise on owner-occupier vs investment lending strategies.

Access to the right lenders

We work with Irish pillar banks, specialist commercial lenders, and alternative and private funding providers — enabling us to source competitive and flexible solutions, including for complex or non-standard cases.

Application & credit support

Prepare a strong, lender-ready application. Present financials, rent rolls, and asset details effectively. Manage the process from approval to drawdown.

Ongoing support & portfolio growth

Assist with refinancing and restructuring existing loans. Support portfolio expansion strategies and provide guidance on future funding opportunities.

Typical commercial mortgage features

Loan-to-Value (LTV)

Typically up to 65-75%

Term

Up to 15-35 years depending on asset and lender

Interest

Variable or fixed rate options available

Repayment

Capital & interest or interest-only options

Security

Commercial or mixed-use property

Basis

Structured on rental income, business performance, and asset value

Who we work with

  • Business owners purchasing their own premises
  • Property investors building commercial portfolios
  • Landlords refinancing existing assets
  • Developers exiting onto long-term investment finance

Why choose KeyStone

  • Access to a wide range of commercial lenders
  • Strong understanding of Irish property and lending market
  • Tailored funding strategies aligned to your goals
  • Efficient, deal-focused approach
  • End-to-end support from enquiry to drawdown

Our process

01

Initial consultation

Understand your business, asset, and funding needs.

02

Funding strategy

Structure the most suitable loan solution.

03

Application & approval

Prepare and submit a strong proposal.

04

Loan offer & legal

Coordinate valuation, credit approval, and legal process.

05

Drawdown

Complete funding and support future planning.

Have a deal in mind?

Whether you are acquiring your first commercial property or expanding an existing portfolio, we are here to help.

Let's Talk