Compare UK Commercial Mortgage Rates in 60 Seconds

Long-term commercial property loans from £100,000 to £10m+. Funding for owner-occupiers and commercial buy-to-let investors.

Get Commercial Mortgage Terms

Decision in Principle within 24 hours

  • ✓Up to 75% LTV: Competitive rates across high street & specialist lenders.
  • ✓Terms Up to 30 Years: Fixed & variable commercial mortgage options.
  • ✓Owner-Occupier & Investment: Buy trading premises or commercial property portfolios.
  • ✓Whole-of-Market Access: We compare commercial banks to secure low margins.
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✓ Whole-of-Market Access✓ Up to 75% LTV✓ Fixed & Variable Rates✓ Terms Up to 30 Years✓ Fast Decision in Principle
FeatureHigh Street Bank DirectBolton Business Finance
Lender Panel Choice1 credit policy & rate cardWhole-of-market panel (Bank & Specialist lenders)
Maximum LTVTypically capped at 60–65% LTVUp to 75% LTV (higher with additional asset backing)
Trading History CriteriaStrict 3-year accounts requiredOptions for new businesses, projections & adverse credit
Application Speed6–12 week bank processingFast-track packaging direct to underwriters

Frequently Asked Questions

What is the difference between an owner-occupier and investment mortgage?

An owner-occupier commercial mortgage is for purchasing or refinancing property your own business operates from. An investment commercial mortgage is for purchasing property to lease to third-party tenants.

What deposit do I need for a commercial mortgage?

Most commercial mortgages require a deposit of 25% to 30% (70%–75% LTV). In some owner-occupier cases, additional security can reduce required cash deposits.

How long does a commercial mortgage application take?

An Agreement in Principle (AIP) can usually be issued within 24 to 48 hours. Full completion typically takes 4 to 8 weeks depending on valuation and legal work.