Everything UK buyers ask us about how to buy commercial property — deposits, rates, timescales and structures.
- How do I buy commercial property in the UK?
- To buy commercial property in the UK you typically need a 25–35% deposit, a commercial mortgage or commercial property purchase loan for the balance, an SPV or trading company as the buyer, a commercial solicitor and a RICS valuation. We handle the finance side of every commercial property purchase — sourcing lenders, negotiating terms and packaging the case to completion.
- How much deposit do I need to buy commercial property?
- Most UK lenders require 25–30% deposit to buy commercial property for owner-occupation, and 30–35% for a commercial property purchase as an investment. Semi-commercial and mixed-use purchases can sometimes be funded at up to 80% LTV where the residential element is strong.
- Can I purchase commercial property through a limited company or SPV?
- Yes — the majority of UK commercial property purchases we arrange run through a limited company or SPV. Lenders accept newly incorporated SPVs, trading companies, LLPs, trusts and SIPP/SSAS pension structures buying commercial property.
- What rates apply when you purchase commercial property in 2026?
- In 2026, commercial property purchase rates typically start from around 5.50% for owner-occupier mortgages, 6.50–7.50% for commercial property purchased as an investment, and from 0.65% per month on bridging where speed of purchase is critical.
- How long does it take to buy commercial property?
- A standard commercial property purchase completes in 8–14 weeks from offer accepted: 48 hours to indicative terms, 2–3 weeks for valuation, 3–5 weeks for legals and drawdown. A bridged purchase can complete in 5–10 working days when the seller demands speed.
- Can I use a commercial mortgage to buy commercial property to let out?
- Yes. A commercial property purchase for investment (buy-to-let commercial) is one of the most common structures we arrange — offices let to businesses, retail units, industrial and mixed-use assets. Lending is assessed on the tenant covenant, lease length and rental yield.
- What costs are involved in a commercial property purchase?
- Beyond the deposit, budget for stamp duty land tax (commercial rates), commercial solicitor fees (typically £2,500–£7,500), a RICS valuation (£1,500–£5,000+), lender arrangement fees (usually 1–2% of loan) and our broker fee — payable only on completion of the commercial property purchase.
- Do you charge upfront fees to arrange finance to buy commercial property?
- No. There are no upfront fees for quotes, advice or lender search. Our broker fee is payable only on completion of your commercial property purchase and is usually outweighed by the rate savings we secure through whole-of-market negotiation.
