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Our trusted lender partners offer access to thousands of mortgage deals across the UK market

  • Aldermore
  • InterBay Commercial
  • Kent Reliance
  • Landbay
  • Moda Mortgages
  • BM Solutions
  • Paragon Bank
  • Pepper Money
  • The Mortgage Lender

What is a Commercial Mortgage?

A commercial mortgage is a type of loan secured against property that is primarily used for business purposes. Unlike residential mortgages, these products are designed specifically to finance shops, offices, warehouses, industrial units, and other types of commercial premises.

Businesses and investors use commercial mortgages to purchase new premises, refinance existing property, or release equity for expansion. They can also be used by landlords who wish to buy property to rent out to commercial tenants.

Commercial mortgage terms are typically negotiated on a case-by-case basis. Lenders will assess factors such as the type of property, your business finances, and the level of deposit available. This flexibility means you can secure funding tailored to your exact business needs.

Commercial Mortgages Made Simple

Our panel of expert partner brokers can help you compare a wide range of commercial mortgage deals, tailored to your business or investment needs. Whether you’re purchasing an office, retail space, warehouse, or another business premises, we’ve got you covered.

We also work with brokers experienced in complex cases, ensuring you get access to the most competitive deals available.

This service is completely FREE and comes with no obligation.

Access Exclusive Commercial Deals

Compare mortgage products for offices, retail units, warehouses, and more — sourced from leading UK lenders.

Finance Tailored to Your Business

Whether you’re purchasing a shop, office, or industrial site, find mortgage solutions shaped around your business needs.

Expert Broker Support

Get guidance from FCA-regulated brokers who understand commercial finance and help you secure the best available rates.

We work only with FCA-regulated mortgage brokers, giving you peace of mind that your details are safe and your enquiry will be handled quickly and professionally.

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Our Promise to You

Free, transparent, and built around your needs.

Our service is completely free to use. If you choose a mortgage from one of our partners, we may receive a commission — but our priority is always to provide clear, unbiased guidance so you can make the right decision for your investment.

process

A Simple, Stress-Free Process

No obligation. No hidden costs. Just expert help.

1. Share your property details and finance goals

2. Get matched with a specialist broker who understands your needs

3. Receive tailored mortgage options and ask questions before you decide

Smart Commercial Mortgage Solutions for Every Investor

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FAQS

What can a commercial mortgage be used for? +
Purchasing offices, shops, warehouses, industrial units, or other business premises, as well as refinancing existing commercial properties.
How much deposit do I need for a commercial mortgage? +
Typically 25–40% depending on the lender, property type, and your financial profile.
How are commercial mortgage rates set? +
Rates are usually bespoke, based on the strength of your business, credit profile, and the risk of the property sector.
Can I get a commercial mortgage if my business is new? +
Yes, but lenders may request additional security or guarantees. Established businesses usually get access to better rates.
What’s the difference between an owner-occupied and an investment commercial mortgage? +
Owner-occupied is where your business trades from the property. Investment mortgages are for properties rented out to third-party tenants.
Can I repay a commercial mortgage early? +
Yes, but early repayment charges may apply. Some lenders allow flexible repayment terms.
Do I need a business plan to get a commercial mortgage? +
Most lenders will request a business plan and financial forecasts, especially for new ventures.
Can a limited company apply for a commercial mortgage? +
Yes. Many commercial mortgages are arranged through company structures.
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