Everything UK borrowers ask us about using a commercial mortgage broker — fees, rates, lenders and timescales.
- What does a commercial mortgage broker do?
- A commercial mortgage broker acts as your intermediary with UK commercial lenders — sourcing terms, negotiating rates, packaging your application and managing the deal through to drawdown. As a whole-of-market commercial mortgage broker, we compare 60+ high-street, challenger and private banks to place your deal with the right lender first time.
- Why use a commercial mortgage broker instead of going direct to a bank?
- Going direct limits you to a single bank's appetite, rates and criteria. A specialist commercial mortgage broker gives you whole-of-market access, exclusive broker-only pricing, expert packaging that avoids common declines, and a single point of contact who chases the valuer, solicitor and underwriter on your behalf.
- How much does a commercial mortgage broker charge?
- Our commercial mortgage broker fee is only payable on completion — there are no upfront fees for quotes, advice or lender search. Typical broker fees range from 0.5% to 1% of the loan depending on complexity, and are usually far outweighed by the rate savings we secure through whole-of-market negotiation.
- Are you an FCA-regulated commercial mortgage broker?
- Yes. Mortgages.Direct is a trading style of Fair Investment Company Limited which is an FCA-authorised firm operating as an independent, whole-of-market commercial mortgage broker across England, Scotland, Wales and Northern Ireland.
- How much can a commercial mortgage broker help me borrow?
- We arrange commercial mortgages from £50,000 up to £25 million, with bespoke private-bank facilities available above that. Most UK commercial mortgage lenders advance up to 75% LTV on owner-occupied premises and up to 70% LTV on commercial investment property — we know which lenders push those limits for the right deal.
- What commercial mortgage rates can a broker secure?
- As of 2026, commercial mortgage rates typically start from around 5.50% for prime owner-occupier deals and 6.50–7.50% for commercial investment. Using a whole-of-market commercial mortgage broker consistently unlocks sharper pricing than going direct, particularly on complex or high-LTV cases.
- How quickly can a commercial mortgage broker get me terms?
- We typically return indicative commercial mortgage terms within 48 hours of your enquiry. From application to drawdown, most deals complete in 8–16 weeks depending on valuation, legal due diligence and the lender's credit committee. Bridging alternatives are available where speed is critical.
- Can a commercial mortgage broker help with adverse credit or new SPVs?
- Yes. As a specialist commercial mortgage broker we place cases other firms decline — adverse credit, recently incorporated SPV limited companies, first-time commercial landlords, expat and complex-income borrowers. We know each lender's real criteria, not just what's on their website.
- What types of property can a commercial mortgage broker arrange finance for?
- We arrange commercial mortgages for offices, shops, warehouses, industrial units, surgeries, restaurants, pubs, care homes, HMOs, mixed-use buildings and semi-commercial property across the UK.
- Do you arrange commercial mortgages across the whole UK?
- Yes. We are a UK-wide commercial mortgage broker covering England, Scotland, Wales and Northern Ireland, working with UK and overseas borrowers, limited companies, LLPs, trusts, SIPPs and SSASs. Our advisers work remotely by phone, video and email — location is no barrier.
