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.
✓ Whole-of-Market Access✓ Up to 75% LTV✓ Fixed & Variable Rates✓ Terms Up to 30 Years✓ Fast Decision in Principle
| Feature | High Street Bank Direct | Bolton Business Finance |
|---|---|---|
| Lender Panel Choice | 1 credit policy & rate card | Whole-of-market panel (Bank & Specialist lenders) |
| Maximum LTV | Typically capped at 60–65% LTV | Up to 75% LTV (higher with additional asset backing) |
| Trading History Criteria | Strict 3-year accounts required | Options for new businesses, projections & adverse credit |
| Application Speed | 6–12 week bank processing | Fast-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.
