Compare Commercial Mortgages

  • Commercial mortgages are available for businesses looking to buy non-residential property
  • The table below compares commercial mortgage providers from our panel of business lenders
THINK Business Loans - Commercial Mortgages & Investments Promotion

THINK Business Loans - Commercial Mortgages & Investments

  • Compare 100s of commercial mortgage rates and lenders in minutes
  • Interest rates from 1.9% APR
  • Up to 90% LTV available (sector dependent)
More Info

Lines are open: Mon-Fri 8.30am-6pm. Saturday, Sundays & Bank Holidays CLOSED. Calls may be recorded.

3 products found
    • Swoop Funding Commercial Mortgages logo

      Swoop Funding Commercial Mortgages

      • Tailored to the specific needs of either owner-occupiers or commercial property investors
      • Access to whole of market
      • Your case will be presented to multiple matched lenders
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        From £100,000
      • Available Terms
        6 months to 30 years

      Company details

      • Owner occupier, buy-to-let, remortgage, and interest only options available
      • Access to whole of market
      • Advanced technology alongside expert guidance

      Eligibility criteria

      • Available for all property types
      • Available for purchase or remortgage
      • Adverse credit accepted
      • Available to limited companies, sole traders and partnerships
    • THINK Business Loans Commercial Mortgages logo

      THINK Business Loans Commercial Mortgages

      • Speak to an experienced commercial mortgage expert
      • Rates from 1.9% APR (+ Base Rate)
      • 100% LTV available (additional security required)
      • Experts in Commercial Mortgages, Investments, Buy to Let, HMOs, Bridging & Development
      • Minimum Turnover
        Must be profit-making
      • Available Amounts
        From £150,000
      • Available Terms
        2 to 30 years

      Company details

      • THINK are the UK’s leading business lending specialists; their experts are on hand to guide you through the lending process
      • THINKs funding platform matches your businesses eligibility against the entire market instantly (without a credit check)
      • Find the perfect loan in minutes

      Eligibility criteria

      • Trading Businesses must have minimum 6 months trading history
      • Deposit required – Cash or Additional Security
      • Investment applications for start-up and first-time landlords available
    • Newable Commercial Mortgages logo

      Newable Commercial Mortgages

      • Standard, buy-to-let and interest-only mortgage options available
      • Access to over 100 lenders
      • All circumstances considered and fast approvals
      • Minimum Turnover
        No minimum
      • Available Amounts
        £10,000 to £30,000,000
      • Available Terms
        1 to 30 years

      Company details

      • FCA regulated commercial finance broker working on a 'no success, no fee' basis
      • Your application will be managed by an experienced advisor, specialising in fast approvals
      • All circumstances considered

      Eligibility criteria

      • Available to limited companies, sole traders and partnerships.

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

How to choose a commercial mortgage

If you need a mortgage to buy a non-residential property for your business, you’ll be looking to get a commercial mortgage. Although similar to residential mortgages in many ways, there are notable differences that you may not be aware of.

Commercial mortgage providers range from specialist lenders to high street banks and each will offer different terms and loan amounts, as well as having varying lending criteria. It’s important to consider your options when choosing between them, and remember, your personal credit records, as well as those of your business, will come into play during the decision-making process.

Our guide below can help you to understand your options a little better and find the right commercial mortgage for your specific business requirements.

Choosing between commercial mortgages

When comparing commercial mortgages, there are a number of factors that you’ll need to consider:

  • How much you can borrow: Lenders will decide how much to lend you based on criteria such as your deposit amount, your credit record and business finances and the value of the property you are purchasing. There will be a loan-to-value limit for each commercial mortgage product available and you’ll need to work out how much you need to borrow based on the value of the property you want to purchase and the value of your cash deposit
  • How long you can borrow for: Along with the loan amount, the loan term you are offered will also vary depending on the provider as well as your personal circumstances. Generally, commercial mortgage loan terms range from around 3 years to 25 years.
  • Interest rate: This is an area where commercial mortgages often differ from residential mortgages. While residential mortgages will often offer a set interest rate, it’s less easy to get a concrete interest rate offer from a commercial mortgage provider until you are further into the application process.
  • Type of mortgage: Typically, your rate will be quoted as a percentage over LIBOR, which is what would be called a tracker mortgage in residential purchasing terms. Although fixed-rate mortgages are available, they can sometimes come with higher interest rates, and might only be accessed on properties worth less than £500,000.
  • Other costs: Very often with a commercial mortgage, there will be other costs involved with taking out the mortgage, on top of the interest payment. Arrangement fees are often applicable, along with early repayment fees, valuation fees and legal fees. Some lenders will also want money to cover the work they do if you do not accept the offer given. In these circumstances, you may be charged a commitment fee which is payable with your application and is non-refundable. Most arrangement fees are then lumped into the loan itself and usually come in at about 1-2% of the total loan amount.

Meeting commercial mortgage lending criteria

When choosing a commercial mortgage, much of your decision making may be determined by each provider’s lending criteria. It makes sense to assume that a lender will want to carry out a detailed check of your business and personal credit records to assess your creditworthiness. They will also want to check your business accounts to determine that your finances are stable and that you can afford the repayments.

As well as checking your finances, the lender is likely to want to value the property you are purchasing to ensure it is worth enough to cover the cost of the loan if you cannot afford the repayments.

If you have a large deposit to put forward, you may find it easier to secure a commercial mortgage from a lender and rates may also be lower than if you require a higher loan-to-value. This is something to take into account when choosing between commercial mortgages. It’s important to note that, as with a residential mortgage, you risk losing the property if you fail to keep up with scheduled repayments.

Choosing a commercial mortgage FAQs

Is it best to use a broker to find a commercial mortgage?

Can I get a commercial mortgage if I have bad credit?

What legal fees are involved with taking out a commercial mortgage?

Can I use a commercial mortgage to buy an investment property?

See all commercial mortgage providers