Office Finance UK

Office property sits at the more variable end of the commercial market — a single-let Grade A building in a regional city centre is a very different lending proposition from a multi-tenanted flexible workspace in a secondary location. Platinum Global Bridging Finance arranges office finance for owner-occupying businesses buying their own premises and for investors acquiring single-let or multi-let office buildings across the UK. Facilities from £150,000 to £150m+. No broker fee on loans of £500,000 or above.

What Is Office Finance?

Office finance is commercial mortgage lending secured against office premises, available either as owner-occupied finance — where the borrowing business trades from the building — or as investment finance, where the office is let to one or more tenants. The same property could be financed either way depending on occupancy structure. Office property covers everything from a small professional services suite bought by its occupier, through to multi-floor city centre buildings let to corporate tenants, and increasingly, serviced and flexible workspace investments.

Owner-Occupied vs Investment Office Finance

If your business will trade from the office, the loan is assessed against your trading accounts and adjusted net profit, following the same principles set out on our owner-occupied commercial mortgage page. Professional firms — solicitors, accountants, architects, and financial services businesses — are well-served by this market. SIPP and SSAS pension fund structures are commonly used in the professional services sector to acquire office premises tax-efficiently.

If the office is an investment asset — let to one or more tenants — the loan is assessed on the rental income and DSCR, as detailed on our commercial investment mortgages page. Lenders assess the lease profile, unexpired terms, tenant covenant quality, and the property’s location and marketability.

Office Market Context 2026

The UK office market has undergone significant structural change following the adoption of hybrid working patterns. Prime city-centre offices — high specification, well-located, EPC-compliant — continue to attract strong occupier demand and competitive mortgage terms. Secondary and tertiary offices, particularly those with poor energy ratings (EPC D or below), face greater lender caution as both occupier demand and future regulatory requirements create asset risk.

Lenders increasingly factor in EPC ratings when assessing office investment loans. Properties with EPC A–C ratings attract the widest lender appetite and best rates. Properties rated D or below may face restricted LTV or higher pricing, and some lenders will require a refurbishment plan before advancing on a sub-investment-grade asset.

Lending Criteria for Office Finance

Parameter	Typical Range
Loan size	£150,000 to £150m+
LTV (prime office)	Up to 75%
LTV (secondary/tertiary)	Up to 65%
Term	3 to 25 years
Rate (2026)	5.5% to 8.5% pa
DSCR (investment)	125% to 150% of interest payment

Office Bridging Loans

Where an office building requires refurbishment before it meets mainstream mortgage criteria, or where speed is required for an auction purchase, a commercial office bridging loan provides short-term funding to acquire and improve the asset. Once the works are complete and the building is let or lettable, we arrange the long-term office mortgage. For development of new office space or conversion of existing buildings to office use, commercial development finance is the appropriate product.

Permitted Development and Office Conversions

Permitted development rights allow certain commercial buildings — including many offices — to be converted to residential use without full planning permission. Where a borrower intends to convert an office building to residential, permitted development finance or permitted development bridging loans are more appropriate than a commercial office mortgage. We arrange finance for both the acquisition and conversion stages of these projects.

Frequently Asked Questions

Can I get an office mortgage for a serviced or flexible workspace investment?

Yes, but the lender pool is smaller. Serviced offices with short-term licences rather than formal leases are assessed differently from conventionally let offices. Some lenders treat them as operating businesses rather than pure property investments, which affects how the income is assessed.

What EPC rating do I need for an office mortgage?

Most mainstream lenders prefer EPC A–C. Properties rated D or below face restricted terms from some lenders, and from 2027 commercial properties let to new tenants will require at least an EPC B under current trajectory. We can advise on lenders who will finance sub-investment-grade assets alongside a refurbishment plan.

Can I buy an office building through my pension fund?

Yes — SIPP and SSAS pension funds can purchase commercial office property, including premises occupied by the pension holder’s own business. This is a specialist structure with significant tax advantages. We work with lenders experienced in SIPP/SSAS office mortgage lending.

Does Platinum Global charge a broker fee for office finance?

No broker fee on facilities of £500,000 or above.

Our Commercial Property Finance Solutions

About Us

Platinum Global Bridging Finance is a distinguished high-net-worth finance broker. We specialize in providing tailored financial solutions, including Property Bridging Finance, Development Finance, Single Stock Loans, Margin Stock Loan, Crypto Finance, Crypto Backed Loans and Commercial Property Finance tailored to meet the diverse needs of our clientele seeking robust financial lending solutions.

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Office Property Finance Gerard Ward 4 July 2026

Office Property Finance