£Businesses Funding

Home › All finance types › Commercial mortgages

Commercial mortgages

Buy premises or refinance property your business already owns, over the long term and secured on the property.

Open the calculatorJump to the providersGet matched with a broker

Edited by Reviewed

Providers compared
8each read on its own website
Publish a headline rate or cost
2 of 8the rest price per business
Latest check
1 Nov 2026oldest figure 1 Nov 2026, date shown on every card

How it works

A long-term loan to buy business premises or refinance property you own, secured on the property. Owner-occupier mortgages are for premises you trade from, assessed largely on your business’s profits. Commercial investment mortgages are for property you let out, assessed on the rent.

Historic brick warehouse building under a blue sky nine warehouses at port east were built in 1800-1804 and are listed grade i as a site of exceptional national importance. designed by george dance the younger and william jessop, these brick-and-timber warehouses were built to store rum, sugar, and other goods arriving from the west indies. all but the western two warehouses were destroyed by bombing in the second world war. the remaining buildings now house apartments, commercial businesses and the museum of london docklands.

Compare commercial mortgages providers

Sourced from each provider’s own website, with the link and the date on every card.

Barclays

Bank

Source: barclays.co.ukchecked 2026-11-01

Products: Commercial mortgage to buy, build or release equity

Amount
£25,001 and up
Term
Fixed rate terms from 1 to 10 years
Max LTV
Not published
Rate
Priced per quote
Fees, eligibility and full wording
Fees
Lending fees and associated borrowing costs may apply; 0.3% interest rate discount for EPC B or above
Eligibility
Three full years of audited or certified accounts, plus current management figures (if produced)

NatWest

Bank

Source: natwest.comchecked 2026-11-01

Products: Commercial mortgage, fixed or variable

Amount
£25,001 to £10m on a fixed interest rate, with no upper limit on a variable interest rate
Term
Repayment terms up to 25 years
Max LTV
Not published
Rate
Priced per quote
Fees, eligibility and full wording
Fees
Arrangement and security fees may apply; no set-up fees and early repayment or early closure fees (eligibility criteria applies)
Eligibility
as a guideline 25% of the total value of the property is typically required for a commercial mortgage deposit
Amount in full
£25,001 to £10m on a fixed interest rate, with no upper limit on a variable interest rate

Allica Bank

Specialist lender

Source: allica.bankchecked 2026-11-01

Products: Commercial owner-occupied mortgage; commercial investment mortgage

Amount
£150k - £15m (owner-occupied £150,000 to £10 million; investment £150,000 to £15 million)
Term
Owner-occupied 5 - 30 years; investment 5 years
Max LTV
Up to 80% LTV owner-occupied; 75% investment
Rate
Priced per quote
Fees, eligibility and full wording
Fees
Arrangement fee 1.5% owner-occupied, 2.0% investment; no arrangement fees on eligible commercial mortgages for the rest of 2026
Eligibility
two full years of financial accounts; Limited Company or LLP, or a partnership or sole trader operating in England, Scotland or Wales
Amount in full
£150k - £15m (owner-occupied £150,000 to £10 million; investment £150,000 to £15 million)

Aldermore

Specialist lender

Source: aldermore.co.ukchecked 2026-11-01

Products: Commercial real estate term loans for investment and owner-occupiers (under £3m via intermediaries)

Amount
£3m to £100m
Term
Up to a maximum of 20 years
Max LTV
Up to 70% LTV (commercial, semi-commercial and owner-occupied)
Rate
Priced per quote
Fees, eligibility and full wording
Fees
Not published
Eligibility
commercial mortgages under £3m via brokers only
Max LTV in full
up to 70% LTV (commercial, semi-commercial and owner-occupied)

Cambridge & Counties Bank

Specialist lender

Source: ccbank.co.ukchecked 2026-11-01

Products: Commercial investment and commercial owner-occupier loans

Amount
Minimum loan £150k (investment) or £250k (owner-occupier) in England and Wales; up to £15m borrowings per customer
Term
Terms from 12 months to 25 years
Max LTV
Investment up to 70% LTV of open market value; owner-occupier up to 75% LTV of vacant possession value
Rate
Priced per quote
Fees, eligibility and full wording
Fees
No valuation fee payable until loan is approved
Eligibility
Investment only available to experienced property investors; minimum loan £500k in Scotland
Amount in full
Minimum loan £150k (investment) or £250k (owner-occupier) in England and Wales; up to £15m borrowings per customer
Max LTV in full
Investment up to 70% LTV of open market value; owner-occupier up to 75% LTV of vacant possession value

InterBay (OSB Group)

Specialist lender

Source: interbay.co.ukchecked 2026-11-01

Products: Commercial owner-occupier and commercial investment mortgages (broker-only)

Amount
Min loan from just £125k; no maximum property value
Term
Not published
Max LTV
Up to 75% LTV
Rate
Starting rate 6.59% (2 year fixed, 65% LTV); reversion BBR + 4.00%
Fees, eligibility and full wording
Fees
Product fee 3% (2.75% existing customers)
Eligibility
Broker-introduced; owner-occupier purchase or refinance
Rate in full
Starting rate 6.59% (2 year fixed, 65% LTV); reversion BBR + 4.00%

Shawbrook

Specialist lender

Source: shawbrook.co.ukchecked 2026-11-01

Products: Commercial, semi-commercial and commercial trading mortgages

Amount
£150k to £35m
Term
3 to 25 years
Max LTV
Up to 75% LTV
Rate
Rates from 5.29%
Fees, eligibility and full wording
Fees
0.25% arrangement fee discount for existing customers on each subsequent mortgage
Eligibility
Minimum personal guarantee of 25% of the loan amount

Together

Specialist lender

Source: togethermoney.comchecked 2026-11-01

Products: Commercial mortgages for business owners and investors

Amount
£50k - £5m
Term
Not published
Max LTV
70% LTV (100% with additional security)
Rate
Priced per quote
Fees, eligibility and full wording
Fees
Lenders Arrangement Fee, Early Repayment Charge and Redemption Administration Fee; typically charged as a percentage of the loan
Eligibility
Not published
Speed
typically takes several weeks

8 providers, each read on its own website on the date shown. 2 of them publish a headline rate or cost. “Not published” and “Priced per quote” mean exactly that: the provider does not state the figure, so we do not estimate one.

Want a specialist to search the market for you?

Tell us about your company and what you need. With your consent, a specialist business finance broker contacts you and does the searching. Free to use; we may be paid by the broker for the introduction.

Get matched with a broker

Provider names and logos are trademarks of their respective owners, shown only to identify each provider. No endorsement or commercial relationship with any lender shown.

Work out your repayments

Put in an amount, a rate and a term and see the monthly repayment, the total repayable and the interest, month by month. Illustrative, free, and nothing is collected.

Open the calculator

What to compare

  • Loan to value (LTV): the most each lender will advance against the property, shown in the table. The rest is your deposit.
  • Rate structure: fixed for a period, or a margin over base rate. Check the reversion rate after any fixed period.
  • Fees: arrangement fees (often a percentage of the loan), valuation and legal costs, and early repayment charges.
  • Personal guarantees: some lenders require one for part of the loan.

The business loan calculator works for a repayment commercial mortgage too: use a longer term.

Frequently asked questions

How much deposit do I need for a commercial mortgage?

It follows from each lender's maximum LTV: a 75% LTV means a deposit of at least 25% of the property's value. Lenders' published maximums are in the table.

Owner-occupier or investment?

Owner-occupier if your business trades from the property; investment if you let it to tenants. Lenders assess them differently and often have different maximum LTVs.

Can I get a commercial mortgage for a new business?

It is harder. Several lenders publish a minimum of two or three years of accounts. Where published, it is in the eligibility column.

Related