Mortgages.Direct — commercial property finance
UK commercial property funded through whole-of-market commercial property finance
Whole-of-market UK commercial property finance

Commercial Property Finance — rates from 5.50%

Whole-of-market commercial property finance from £50k to £25m. We compare 60+ UK lenders to secure the right loan for your commercial property — indicative terms in 48 hours, no upfront fees, no obligation.

Get my commercial property finance quote →or call 0117 403 3464
FCA regulated
★★★★★4.9 / 5
60+ UK lenders
Since 2016
  • £50k to £25m facilities
  • Up to 80% LTV available
  • Terms in 48 hours
  • Fee only on completion

Get your free commercial mortgage quote

No credit check. No obligation.

🔒 Secure. Your details are never sold.

REVIEWS.io
★★★★★
4.9 / 5 · Read our 74 reviews
FCA Authorised
Independent broker advice
Whole-of-market
60+ UK property lenders
No upfront fees
Broker fee on completion

Why arrange commercial property finance through us

A specialist commercial property finance broker — not a bank in disguise.

We arrange commercial property finance for SMEs, landlords, developers and property investors across the UK — from £50k to £25m+ — and have done so since 2016.

Whole-of-market lenders

60+ UK commercial property finance lenders — high-street, challenger and private banks.

Broker-only pricing

Exclusive commercial property finance rates our clients can't access going direct.

Complex cases welcome

Adverse credit, new SPVs, mixed-use, portfolio and expat commercial property borrowers.

End-to-end support

Your adviser packages the case and drives lender, valuer and solicitor to drawdown.

Types of commercial property finance we arrange

Commercial property finance products

Get tailored rates →

Owner-occupier finance

Buy or refinance the commercial property your business trades from.

from 5.50%subject to status

Commercial investment finance

Long-term finance for tenanted commercial investment property.

from 6.99%subject to status

Semi-commercial finance

Mixed-use property — flat above a shop, pub with rooms, office with resi.

from 6.79%subject to status

HMO & portfolio finance

Large HMOs and 4+ unit commercial property portfolios on one facility.

from 5.89%subject to status

Development exit finance

Refinance from a bridge once your commercial property build is complete.

from 6.39%subject to status

Commercial bridging

Short-term commercial property finance — drawdown in days.

from 0.65% pcm.subject to status
Learn more about commercial bridging finance →

Rates shown are illustrative and based on recent commercial property finance placements by our broker team. Your rate will depend on LTV, term, asset class and covenant strength.

How our commercial property finance process works

From enquiry to funds in 4 steps.

  1. 01

    Tell us about the property

    Two-minute online form or a quick call with a commercial property finance adviser.

  2. 02

    Receive indicative terms

    We approach the right lenders and return commercial property finance options within 48 hours.

  3. 03

    Choose & apply

    We package the application, manage the valuation and chase the lender.

  4. 04

    Drawdown

    Funds released. Most commercial property finance deals complete in 8–12 weeks.

Client stories

Rated 4.9 / 5 by UK commercial property borrowers.

REVIEWS.ioRead all 74 reviews
★★★★★
"Ben was professional, approachable, and always on hand to answer questions clearly and promptly. He took the time to fully understand our commercial property finance needs and guided us through with real expertise."
— Daniel R., Logistics SME
★★★★★
"Best commercial property finance we've arranged. Refinanced a £2.1m mixed-use portfolio and cut our monthly cost by £1,800."
— Priya S., Property investor
★★★★★
"Clear advice, weekly updates, and chased the valuer when things stalled. Exactly what you want from a commercial property finance broker."
— Mark T., Café owner

Case studies

Real UK commercial property finance deals, placed by our brokers.

Recent examples of how our team structures commercial property finance to reduce cost and unlock capital.

£840,000LondonOctober 2024

Owner-occupier commercial property finance for a retailer

Retail — owner-occupier

The scenario

A family-owned furniture retailer had traded for a decade from a leased 10,000 sq ft showroom in prime London. With the business growing, the owners wanted to purchase the £1.2m unit — but needed commercial property finance that wouldn't strain cash flow.

How we structured the finance

  • Full assessment of company financials, business credit score and existing liabilities.
  • Whole-of-market search across high-street, challenger and private banks.
  • Negotiated a rate materially lower than the direct bank quotes the client had received.
  • Advised on a 30% deposit to unlock better LTV pricing tiers.
  • Packaged the application end-to-end — offer issued in 6 weeks.

Outcome

Secured £840,000 of owner-occupier commercial property finance, converting rent into equity for the retailer.

£2,000,000LondonJanuary 2025

Commercial property finance restructure for a healthcare group

Healthcare — multi-site restructure

The scenario

A multi-site UK healthcare business approached us for £400k of commercial property finance to buy their Bristol office. Reviewing their London and Birmingham holdings, we saw an opportunity to restructure the entire property debt.

How we structured the finance

  • Consolidated existing debt into a single commercial property finance facility on the London asset.
  • Released equity from London to purchase the Bristol office outright.
  • Cleared the existing charge on the Birmingham office, leaving two unencumbered assets.
  • Achieved a lower blended LTV — unlocking sharper interest-rate tiers.
  • Pitched competing offers from multiple lenders against each other on a £2m, 15-year facility.

Outcome

A single £2m commercial property finance facility over 15 years, delivering close to a 2.5% rate reduction and freeing capital for future investment.

Discuss my commercial property finance →

FAQs

Commercial property finance FAQs

Everything UK borrowers ask us about commercial property finance — fees, rates, lenders and timescales.

What is commercial property finance?
Commercial property finance is any loan secured against non-residential or mixed-use property — including commercial mortgages, commercial investment loans, semi-commercial mortgages, portfolio finance, development finance and short-term commercial bridging. As a whole-of-market commercial property finance broker we compare 60+ UK lenders to place the right product first time.
How much commercial property finance can I borrow?
We arrange commercial property finance from £50,000 up to £25 million, with bespoke private-bank facilities available above that. Most UK lenders advance up to 75% LTV on owner-occupied premises and up to 70% LTV on commercial investment property.
What commercial property finance rates are available in 2026?
As of 2026, commercial property finance rates typically start from around 5.50% for prime owner-occupier mortgages, 6.50–7.50% for commercial investment, and from 0.65% per month on short-term commercial bridging. Rates depend on LTV, term, asset class and covenant strength.
How quickly can commercial property finance be arranged?
We usually return indicative commercial property finance terms within 48 hours. Term commercial mortgages typically complete in 8–16 weeks; commercial bridging can draw down in as little as 5–10 working days where speed is critical.
What types of property can commercial property finance be used for?
Commercial property finance can be arranged for offices, retail units, warehouses, industrial premises, HMOs, care homes, hotels, pubs, restaurants, surgeries, mixed-use buildings and semi-commercial property across the UK.
What are the fees for commercial property finance through your broker?
Our 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 outweighed by the rate savings we secure through whole-of-market negotiation.
Can I get commercial property finance through a limited company or SPV?
Yes. Most UK commercial property finance is arranged through limited companies, SPVs, LLPs, trusts, SIPPs and SSASs. We regularly place deals for newly incorporated SPVs and first-time commercial borrowers.
Is commercial property finance regulated by the FCA?
Most commercial property finance is unregulated — it is a commercial contract between the borrower and lender. Mortgages.Direct is nonetheless an FCA-authorised firm, giving you regulated-standard advice on unregulated commercial deals.
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