UK Commercial Mortgage Brokers Helping Businesses Secure Finance From £50k – £25M

Business Owners

Owner-occupied commercial mortgages for businesses purchasing their own premises.

Property Investors

Commercial investment mortgages for income-generating properties.

Limited Companies

Funding solutions tailored for corporate borrowers and SPV structures.

Portfolio Landlords

Finance for expanding or refinancing large property portfolios.

Developers

Commercial property finance and bridging loans for development projects.

First Time Commercial Buyers

Guidance and support for those entering the commercial property market.

Commercial mortgages allow businesses and property investors to purchase or refinance property used for business purposes, such as offices, retail units, industrial premises, or mixed-use buildings. Unlike residential mortgages, commercial finance is assessed based on both the borrower’s financial position and the property’s investment potential.

Who Can Apply for a Commercial Mortgage?

Commercial mortgages are commonly used by:

• Business owners buying their own premises
• Commercial property investors
• Limited companies and property SPVs
• Landlords purchasing mixed-use or commercial buildings

Our role as commercial mortgage brokers is to review your information, assess your eligibility, and submit your application to lenders offering products that align with your funding requirements.

Loan-to-Value (LTV)

Most UK lenders offer commercial mortgages between 60% and 75% loan-to-value (LTV). This means the lender provides a percentage of the property value, while the borrower contributes the remaining amount as a deposit.

Interest Rates

Commercial mortgage interest rates vary between lenders and are influenced by factors such as loan size, deposit, property type, and borrower profile. Rates may be offered on a fixed or variable basis, depending on the lender and product. Our comparison system allows us to review multiple lenders and identify options that may be suitable for your circumstances.

Deposit Requirements

Most commercial property purchases require a deposit of around 25% to 40% of the property value. Some specialist lenders may offer different structures depending on the property, tenant strength, or investment strategy.

Mortgage Terms

Commercial mortgages in the UK typically run from 5 to 25 years, depending on the lender and the type of finance required. Some products may include flexible structures such as interest-only periods or tailored repayment options.