Compare Commercial Mortgage Rates

Finding the right commercial mortgage rates is one of the most important steps when financing or refinancing a business property. Whether you are purchasing offices, retail premises, warehouses, or mixed-use properties, understanding commercial mortgage interest rates can help you secure the most competitive deal for your business.

Our platform allows you to quickly compare commercial mortgage rates in the UK from a wide range of lenders. Simply enter your property and funding details into our comparison tool to receive tailored quotes from lenders that match your requirements.

Loan required Property value Term in years Repayment type Occupancy

Matched lenders

0 lenders fit your search.

Selected lender

Selected Rate -

LTV 0%

Loan Amount £500,000

Property Value £1,000,000

Term 15 Years

Repayment Capital Repayment

Occupancy Owner Occupied

Product Fee £0

Monthly Cost £0

Total Cost £0

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Current Commercial Mortgage Rates

Our up-to-date commercial mortgage rates typically vary depending on the lender, the loan size, and the strength of the application. In general, commercial property mortgage rates are influenced by several factors, including:

Loan-to-Value (LTV)
Property type and location
Borrower’s credit profile
Business financials
Lease terms or tenant strength
Market conditions and Bank of England base rate

Most commercial mortgage rates UK lenders offer range from approximately 3% to 9%, depending on risk and deal structure. Prime borrowers with strong financials and lower LTV may qualify for the best commercial mortgage rates, while higher-risk projects may see higher interest rates.

Our comparison tool helps you quickly identify the best commercial mortgage rates lenders are currently offering based on your exact situation.

How Commercial Mortgage Interest Rates Are Calculated?

Lenders assess several elements when determining the rate for a commercial mortgage. Unlike residential mortgages, commercial lending is more flexible and tailored to each deal.

Key considerations include:

Loan-to-Value (LTV)

Lower LTV deals often qualify for better commercial mortgage rates, as lenders view them as lower risk.

Property Type

Different properties attract different commercial mortgages rates. For example:

Offices and retail units typically receive competitive rates
Semi-commercial or mixed-use properties may have slightly higher rates
Specialist properties such as hotels or care homes often have bespoke pricing

Business Financial Strength

Lenders analyse:

Company accounts
Cash flow
Business trading history
Existing debt obligations

Strong financial performance can significantly improve your commercial mortgage interest rates.

Loan Term

The loan term and repayment structure also influence the commercial mortgage rate offered by lenders.

Compare Commercial Property Mortgage Rates

Comparing commercial property mortgage rates across multiple lenders can be time-consuming if done manually. Our tool simplifies the process by allowing you to:

Enter your property details
Specify loan amount and deposit
Select property type and usage
Submit a quick enquiry

Once submitted, our system matches your application with lenders offering suitable commercial mortgages rates.

You can then review the commercial mortgage rates available and choose the most suitable option for your project.

Commercial Mortgage Advisors Near Me is a trading style of Pure Capital Limited, registered in England and Wales (No. 13383125). Registered office: 18A Gawsworth Avenue, Manchester, M20 5NF. Pure Capital Limited is authorised and regulated by the Financial Conduct Authority (FRN: 957322). We are also members of the NACFB (Membership No 30992). Most forms of commercial sub-prime and commercial finance are NOT regulated by the Financial Conduct Authority.

Financial Ombudsman Service

If you have a complaint or dispute, you have the right to raise it with us. Our complaints procedure is available on request. You can submit your complaint in writing, by phone, or by email. We take all complaints seriously and aim to resolve them as quickly as possible. If you are not satisfied with our response, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS). For more information, please visit:

https://financial-ombudsman.org.uk/

https://avistaifp.co.uk/financial-ombudsman-services/