Commercial mortgages

How do you find a commercial mortgage?

You can use a mortgage broker to get quotes. They can work with you from the start to understand your needs and find you the best deal for your circumstances.

Find a commercial mortgage with free expert help

How do they work?

They work like normal mortgages but let you buy one or more properties to:

  • Use for your business

  • Rent out as an investment

Depending on your business, you could be offered quotes for interest only or repayment mortgages. Some lenders offer interest rolled up mortgages, which you make no payments on until the end of the term.

The loan is secured against the property, and you can get a loan to value of up to 75%. This means you need a deposit or equity of at least 25%. Some let you use equity in another property you own instead of a deposit.

You pay them back monthly over a term of between a month and 30 years. You could borrow between £50,000 and £40 million. If you need to borrow less, check out our business loans comparison instead.

Why use our broker?

Many brokers charge fees, but Think Business provides their service without charging you.

They give you quotes based on your individual circumstances, and they can access the whole of the UK market to find a mortgage that's right for you.

How much do commercial mortgages cost?

You won't pay anything until you decide to go ahead. Our broker will explain the full costs of each deal, including:

Updated 8 April 2021
FeesBusiness mortgages come with many of the same fees as a domestic mortgage. Each lender has different charges, which can include valuation and arrangement fees. The amount could be a set fee like £500 or depend on how much you borrow.
Interest rateThe rates you're offered depend on how much you borrow and your company's finances.

Will you be accepted?

Each lender decides if they can accept your mortgage application based on:

  • Your company's income, assets and credit record

  • Your personal finances

  • If your profits are enough to meet monthly payments

If you plan to rent out the property, lenders may also look at the finances of your tenants.

Our broker will look at your business' finances to work out which lenders could offer you a mortgage.

Are commercial mortgages regulated?

No, unlike other mortgages, commercial mortgages are not regulated by the FCA.

What properties could you buy?

You could get a commercial mortgage for:

  • Commercial or residential buy to let investment properties

  • Warehouses and factories

  • Shops and retail premises

  • Office buildings

  • Pubs and hotels

  • Farms and land

  • Professional practices (e.g. solicitors' offices)

What types of company can get a commercial mortgage?

You can get a commercial mortgage in your own name or held by a:

  • Limited company

  • Limited Liability Partnership (LLP)

  • SPV (Special Purpose Vehicle)


  • Trust

  • Offshore company

Find a commercial mortgage with free expert help