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Compare Commercial Mortgages Rates

Are you looking for a Commercial Mortgage for your Business’ property? Use the chart below to find and compare the Best Commercial Mortgages on the market today.

We’ve listed what some of the terms mean to help you make more informed decisions: BBR = Bank of England base rate. Neg = negotiable.

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Best Commercial Mortgages

Best Commercial Mortgages

We found 29 products in total, of which 0 have links to providers.

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'Provider Links First' brings you all products that you can apply for directly via Moneyfacts to the top of the chart in LTV order. Products that do not have a  ‘Go To Provider’s Site’ button will appear below, again in LTV order. Selecting ‘Max LTV’ will change the chart to list all products in LTV order. Products that have a ‘Go To Provider’s Site’ link will still be in the list but in LTV position.

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  • HSBC
    Max LTV (%)
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    Neg%
    Min Term
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    2 years
    Max Term
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    30 years
    Min Loan
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    £25001
    Max Loan
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    Neg
    Available to: Commercial Industrial, Commercial Investment Property, Commercial Property Development, Farms, Franchises, Garage Showrooms, Hotels, Nursing / Care Homes, Offices, Petrol Stations, Professional Practices, Public Houses, Residential Investment Property, Residential Property Development, Retail, Schools and Nurseries
  • Atom Bank
    Max LTV (%)
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    95%
    Min Term
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    2 years
    Max Term
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    25 years
    Min Loan
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    £250K
    Max Loan
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    £10m
    Available to: Commercial Industrial, Commercial Investment Property, Farms, Hotels, Nursing / Care Homes, Offices, Professional Practices, Retail, Schools and Nurseries
  • Danske Bank
    Max LTV (%)
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    95%
    Min Term
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    1 year
    Max Term
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    25 years
    Min Loan
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    £25K
    Max Loan
    Press for help tip
    Neg
    Available to: Commercial Industrial, Commercial Investment Property, Commercial Property Development, Farms, Franchises, Garage Showrooms, Hotels, Nursing / Care Homes, Offices, Petrol Stations, Professional Practices, Public Houses, Residential Investment Property, Residential Property Development, Retail, Schools and Nurseries
  • Aldermore
    Max LTV (%)
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    85%
    Min Term
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    3 years
    Max Term
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    20 years
    Min Loan
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    £1m
    Max Loan
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    £50m
    Available to: Commercial Industrial, Commercial Investment Property, Commercial Property Development, Offices, Professional Practices, Residential Investment Property, Residential Property Development, Retail
  • Barclays Bank UK
    Max LTV (%)
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    80%
    Min Term
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    1 year
    Max Term
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    25 years
    Min Loan
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    £25K
    Max Loan
    Press for help tip
    Neg
    Available to: Commercial Industrial, Commercial Investment Property, Commercial Property Development, Farms, Franchises, Garage Showrooms, Hotels, Nursing / Care Homes, Offices, Petrol Stations, Professional Practices, Public Houses, Residential Investment Property, Residential Property Development, Retail, Schools and Nurseries
  • Allica Bank
    Max LTV (%)
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    75%
    Min Term
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    5 years
    Max Term
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    25 Years
    Min Loan
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    £150K
    Max Loan
    Press for help tip
    £10m
    Available to: Commercial Industrial, Commercial Investment Property, Garage Showrooms, Hotels, Nursing / Care Homes, Offices, Professional Practices, Public Houses, Retail, Schools and Nurseries
  • Alternative Bridging Corp Ltd
    Max LTV (%)
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    75%
    Min Term
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    3 years
    Max Term
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    5 years
    Min Loan
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    £150K
    Max Loan
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    £3.5m
    Available to: Commercial Industrial, Commercial Investment Property, Commercial Property Development, Garage Showrooms, Hotels, Nursing / Care Homes, Offices, Professional Practices, Public Houses, Residential Investment Property, Residential Property Development, Retail
  • Assetz Capital
    Max LTV (%)
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    75%
    Min Term
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    Neg
    Max Term
    Press for help tip
    5 years
    Min Loan
    Press for help tip
    £150K
    Max Loan
    Press for help tip
    £10m
    Available to: Commercial Industrial, Commercial Investment Property, Commercial Property Development, Farms, Franchises, Garage Showrooms, Hotels, Nursing / Care Homes, Offices, Petrol Stations, Professional Practices, Public Houses, Residential Investment Property, Residential Property Development, Retail, Schools and Nurseries
  • Cambridge & Counties Bank
    Max LTV (%)
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    75%
    Min Term
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    Neg
    Max Term
    Press for help tip
    25 years
    Min Loan
    Press for help tip
    £250K
    Max Loan
    Press for help tip
    £15m
    Available to: Commercial Industrial, Commercial Investment Property, Farms, Franchises, Hotels, Nursing / Care Homes, Offices, Professional Practices, Public Houses, Residential Investment Property, Retail, Schools and Nurseries
  • Cumberland BS
    Max LTV (%)
    Press for help tip
    75%
    Min Term
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    3 years
    Max Term
    Press for help tip
    25 years
    Min Loan
    Press for help tip
    £75K
    Max Loan
    Press for help tip
    £5m
    Available to: Hotels, Residential Investment Property
Disclaimer

All rates subject to change without notice. Please check all rates and terms before borrowing. ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT.

The list of commercial mortgage providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, moneyfactscompare.co.uk recommends you obtain independent financial advice.

Provider Links

‘Go To Provider's Site’ links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use ‘Speak to A Broker’ links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go To Provider's Site' or 'Speak To A Broker' button, when you call an advertised number or when you complete an application following a link from our website.

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Watts is the preferred commercial mortgage broker of Moneyfactscompare.co.uk 

What is a commercial mortgage?

While a residential mortgage can be used to finance your own home, a commercial mortgage can be used to purchase commercial property. Whether this be a shop on your town’s high street or a factory to add to your production line, a commercial mortgage is a secured loan which can help your business expand.

This means your mortgaged premises will be used as collateral on the mortgage, and if you fail to make the monthly repayments they could be repossessed.

Commercial mortgages offer fixed or variable rates. This means you can get security over your monthly repayments or opt for a deal which fluctuates, potentially in line with the Bank of England's base rate. 

 

When can I use a commercial mortgage?

Unlike a residential mortgage, commercial mortgages can be used for more than just buying property. They can also be used to expand your business in other ways, such as renovating your new premises or buying machinery to streamline your output. Generally, if you’re looking for a loan of over £25,000, a commercial mortgage could be the financing option for you. 

 

Not for you? What alternatives are there to commercial mortgages?

Commercial mortgages aren’t for everyone. Your business could be more suited for a business loan or bridging loan. Find out more about these forms of financing on our website.   

How to get a commercial mortgage

Before applying for a commercial mortgage it is important to remember commercial mortgage rates are set independently. This means your lender will need to consider a variety of factors before offering a deal, such as the amount you wish to borrow and the time taken to pay back your sum.

So, before applying for your mortgage it is important to ready your documents. These will typically include, but aren’t limited to:

  • Proof of identity
  • Proof of address
  • Your business’s income and expenses
  • Your business’s bank statements (Ideally look for at least three months’ worth)
  • A detailed business plan
  • Property details

 

Should I consider speaking to a commercial mortgage broker?

If you’re new to the process, speaking to a specialised broker can help you get a commercial mortgage. The advantages of a broker are that they have suitable knowledge of the sector, the contacts to find you the best deal and they know how to approach these lenders on your behalf. 

Watts is the preferred commercial mortgage broker of moneyfactscompare.co.uk. Speak to them today to learn more. 

What type of fees are included in a commercial mortgage?

Like a standard residential mortgage, a commercial mortgage often comes with several fees. For example, since a commercial mortgage is a secured loan, your lender will want to value your business’s premises. This means there could be valuation costs and arrangement fees for setting up the loan. More information on what these fees are can be found in our guide.  

 

Are commercial mortgages regulated?

For the most part commercial mortgages are unregulated. We say this because some unique scenarios are regulated by the Financial Conduct Authority (FCA), for example if your commercial mortgage is backed by your own home. This only represents a fraction of the market, so speak to an expert broker for peace of mind.

FAQ

Are commercial mortgages tax deductible?

Yes, but only the interest on the amount borrowed.

Can I refinance my business mortgage?

Yes, which means you could get a better rate by visiting our chart above. However, beware of early repayment charges which could make the switch more expensive in the long-term.

Can I get a buy-to-let commercial mortgage?

If you’re looking to purchase a buy-to-let property through your company, rather than your own name, you’ll need to look at a bespoke number of mortgages. See our Limited Company Mortgages

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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.