A mortgage broker showing a client around a commercial property

Commercial Mortgages & Specialist Lending – Tailored Finance for Unique Property Goals

Helping business owners, investors, and specialist buyers access flexible mortgage solutions beyond the high street.

At MDJ Mortgages, we understand that not every property purchase fits the standard mould. Whether you're buying commercial premises, investing in buy-to-let, or need a bespoke solution, we work with lenders who offer flexible underwriting and real-world understanding.

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Who We Help

We support a wide range of clients, including:

Business owners and entrepreneurs
Commercial property investors
Self-employed professionals and contractors
Clients with complex income or credit history
Buyers using SPVs or limited companies
Mixed-use and semi-commercial property buyers

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What Makes Us Different

Unlike traditional lenders, our specialist partners offer:

✅ Flexible affordability assessments
✅ Support for self-employed and non-standard income
✅ Bridging and development finance options
✅ Buy-to-let for individuals and companies
✅ Mixed-use and semi-commercial property support
✅ Fast Decision in Principle turnaround

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Property Types We Support

Offices, retail units, and industrial premises
Mixed-use buildings (e.g. shop with flat above)
Buy-to-let portfolios and HMOs
Holiday lets and serviced accommodation
Development sites and refurbishment projects
Semi-commercial and specialist-use buildings

What You’ll Need to Apply

Depending on the lender and property type, you may need:

Business accounts or income proof
Property details and valuation
Deposit funds (typically 25–40%)
SPV or company documentation (if applicable)
Exit strategy (for bridging or development finance)

Why Choose MDJ Mortgages?

We offer:

Access to specialist lenders and exclusive deals
Clear guidance on complex cases
Fast, flexible underwriting support
End-to-end advice from enquiry to completion
Support with protection, insurance, and long-term planning

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Ready to explore your commercial or specialist mortgage options? Let’s find the right lender for your property goals.

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Additional Services

At MDJ Mortgages, we offer a wide range of expert services to support you at every stage of your mortgage journey. Whether you’re a first time buyer, planning for retirement, or exploring specialist options, our friendly and experienced team is here to help.

Explore our full range of mortgage services below:

Equity Release in Basingstoke – Unlock the value of your home and enjoy financial freedom in later life with trusted, regulated advice.
Mortgage Broker in Basingstoke – Work with knowledgeable, local mortgage experts who put your needs first.
Mortgage Advice in Basingstoke – Get honest, independent guidance tailored to your financial goals.
Remortgage Broker in Basingstoke – Find out if you could save money or secure a better deal with expert remortgage support.
Specialist Mortgage Brokers in Basingstoke – Support for complex cases, including self-employed buyers, contractors, and more.

MDJ Mortgages

5.0

Based on 179 reviews

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George Robinson

2 months ago

My partner and I used MDJ Mortgages to buy our first house. Mark and Jodie were exceptional. They gave us quality, trusted advice at every step of the process. Clearly outlined what we needed to do. Answered all of our questions very quickly. They found us the best mortgage rates available on the market, as well as assisting with home insurance, life insurance and general tips for purchasing a house. As a first time buyer with no experience purchasing a house, it can be a daunting task. Mark and Jodie made it as simple and easy for us as possible. I highly recommend MDJ Mortgages and will be referring any and all of my friends.

Justyn Moore

3 months ago

We have just finished our remortgage with MDJ and it was simple and clear from the outset. Marks’ communication was excellent and in no way excessive which meant that we got the best rate available with zero stress. I would not hesitate to recommend Mark, and Jodie also.

Sam Cooper

3 months ago

Very helpful and found us a great deal on our mortgage! Helping throughout the whole buying with great communication throughout. 100% would recommend.

alisha shepherd

3 months ago

Mark and Jodie from MDJ Mortgages have been incredible throughout. So professional, diligent and knowledgeable. Our case had a few delays through no fault of MDJ Mortgages but they remained supportive and informative throughout, working incredibly quickly to assist in finding solutions and making everything work. Very satisfied with the service provided and will certainly be returning for a remortgage in a couple of years! Thank you :)

Tristan Ware

3 months ago

Mark and Jodie made what was a very stressful period, significantly easier. They are responsive, proactive and really know their stuff. If only every part of the home buying process was made this simple! I cannot recommend their services enough.

Anna Foster-Ford

4 months ago

Our case definitely wasn't the easiest—if mortgages handed out awards for "most complicated paperwork adventure," we would have been strong contenders! 😄 But Mark and the entire team at MDJ Mortgages handled everything smoothly, quickly, and with incredible professionalism. What seemed impossible to us was just another day at the office for them. Working with MDJ Mortgages was an absolute pleasure from start to finish.Mark and Jodie kept us informed, made the process stress-free, and somehow managed to deliver what felt like a small miracle. If you're looking for mortgage experts who can turn headaches into happy endings, Mark and his team are the people to call. Highly recommended!

Ellie Caldwell

5 months ago

I’ve just completed on my first ever property which was definitely made possible thanks to the help of Mark and Jodie at MDJ Mortgages. I came to them looking for advice really early on when I was just thinking about maybe buying after being sick of renting, and they’ve helped make it a reality. Super helpful team who helped explain everything, especially as a first time solo buyer who really was clueless about the process. Highly recommend.

Pauly Blunden

7 months ago

Professional, knowledgeable, flexible, understanding. Just a few words to describe how great the people in this company are . Normal down to earth people, offering a service above and beyond. They took all the stress out of my remortgage, they were patient, understanding and reassuring. Would for sure use them again. And would recommend to anyone Thank you Mark and Jodie , top job

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Important Information

Commercial mortgages are not usually regulated by the Financial Conduct Authority.

At MDJ Mortgages, we do not offer advice on commercial mortgages directly. Instead, we refer our clients to trusted specialist partners who are experienced in this area and can provide the expert guidance you need.

MDJ Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 949077.

MDJ Mortgages Ltd is registered in England and Wales under company number 12499356 at registered address 28 The Topiary, Lychpit, Basingstoke, RG24 8YX.

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