If you intend to finance the purchase of a commercial property, you must use a specific Commercial Mortgage. Commercial Mortgages generally fall into two categories – Trading Business or that of Commercial Investment. A “Trading Business” mortgage is required if you are a business owner-occupier wanting to purchase a premises to trade from. Whereas an example of Commercial Investment could be that of a property investor wanting to buy a commercial, or semi-commercial property to let out to other businesses.