Compare Commercial Mortgages

  • Commercial mortgages are available for businesses looking to buy non-residential property
  • The table below compares commercial mortgage providers from our panel of business lenders

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THINK Business Loans Commercial Mortgages
Call THINK Business Loans today -
  • Compare commercial mortgage rates and lenders in 3 minutes
  • Interest rates from 1.9% APR
  • 85% LTV (Loan to Value) available
    • THINK Business Loans Commercial Mortgages logo
      Broker

      THINK Business Loans Commercial Mortgages

      • Speak to a commercial mortgage expert
      • Rates from 1.8% APR (over Base)
      • 85% LTV & BTL, HMO and Interest Only options available
      • Minimum Turnover
        Must be profit-making
      • Available Amounts
        From £250,000
      • Available Terms
        5 to 30 years

      Company details

      • THINK's iFunds matching platform matches your businesses eligibility against hundreds of lenders instantly (without a credit check)
      • THINK are the UK's leading SME lending specialists; their experts are on hand to guide you through the process
      • Find the perfect loan in minutes - Make the lender work for you

      Eligibility criteria

      • Must have at least 6 months trading history
      • Deposit required (cash or equity)
      • Trading Business or Investment applications accepted
    • NatWest Commercial Mortgages logo

      NatWest Commercial Mortgages

      • Borrow from £35,000 upwards
      • Repay the loan over a period of up to 25 years
      • Fixed and variable rates allow you to tailor your repayments to suit your own circumstances
      • Minimum Turnover
        No minimum
      • Available Amounts
        £35,000 to £10,000,000
      • Available Terms
        Up to 25 years

      Company details

      • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes

      Eligibility criteria

      • Security may be required
      • Over 18s only
      • Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it
      • Product fees may apply
      • Subject to status
      • For Business users only
    • Charleston Financial Commercial Mortgages logo
      Broker

      Charleston Financial Commercial Mortgages

      • Commercial mortgages for investors and business owners
      • Available for full commercial, semi-commercial or residential buildings
      • Up tp 85% LTV - more with additional security
      • Minimum Turnover
        No minimum
      • Available Amounts
        From £50,000
      • Available Terms
        2 to 30 years

      Company details

      • Whole-of-market mortgage broker
      • All application status' accepted and no upfront fees
      • Lending for all property types

      Eligibility criteria

      • All statuses accepted
      • 1 years' minimum trading for owner occupier purchases
      • Limited company or sole trader applicants accepted
    • Together Commercial Mortgages logo

      Together Commercial Mortgages

      • Available across a range of customer circumstances and property types
      • Borrow against commercial properties other lenders may not consider (e.g. non-standard construction)
      • Fast, flexible lending decisions
      • Minimum Turnover
        No minimum
      • Available Amounts
        £30,000 to £1,500,000
      • Available Terms
        7 to 30 years

      Company details

      • Lending for over 40 years
      • Award-winning specialist lender
      • Fast, flexible short-term finance, auction finance, and personal, commercial and buy-to-let mortgages

      Eligibility criteria

      • CCJs or secured arrears under 12 months not considered in lending decisions (Max 6 in last 12 months)
      • Wide range of properties considered across UK
      • All applicant types and income types considered e.g. individual, sole trader, limited companies, LLPs
    • Royal Bank of Scotland Commercial Mortgages logo

      Royal Bank of Scotland Commercial Mortgages

      • Borrow from £35,000 upwards
      • Repay the loan over a period of up to 25 years
      • Our fixed and variable rates allow you to tailor your repayments to suit your own circumstances.
      • Minimum Turnover
        No minimum
      • Available Amounts
        £35,000 to £10,000,000
      • Available Terms
        Up to 25 years

      Company details

      • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes

      Eligibility criteria

      • Security may be required in the form of a director's guarantee. Over 18s only.
      • Product fees may apply
      • Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
      • Subject to status
      • To apply you must be a UK resident with a business registered in the UK.
    • B2Bfinance.com Commercial Mortgages logo
      Broker

      B2Bfinance.com Commercial Mortgages

      • No broker fee and whole of market access
      • Digital finance brokerage who advise, package and present your case to multiple lenders
      • B2B can assist with Trading Business Mortgages, Property Investment Mortgages, Limited Company Buy to Let and more
      • Minimum Turnover
        No minimum
      • Available Amounts
        £50,000 to £750,000,000
      • Available Terms
        1 to 30 years

      Company details

      • No broker fee
      • Whole-of-market coverage
      • 100% online application process (including digital signatures)
      • Brokers are experienced ex-high street bank staff

      Eligibility criteria

      • Accepted companies:
      • Start up businesses
      • First time investors
      • Trading businesses
      • Overseas Individuals
      • Overseas corporate entities
      • SIPP/SSAS
      • Trusts

    Suppliers that don't offer commercial mortgages but may offer suitable alternatives:

    • Funding Circle logo

      Funding Circle

      • Take your next step with Funding Circle's fast, affordable business loans
      • Apply in 10 mins, get a decision typically in 24 hours
      • Rates from 1.9% - no fees for full early repayment
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £10,000 to £1,000,000
      • Available Terms
        6 months to 5 years

      Company details

      • Take your next step with Funding Circle's fast, affordable business loans
      • Apply in 10 mins, get a decision typically in 24 hours
      • Rates from 1.9% - no fees for full early repayment

      Eligibility criteria

      • Take your next step with Funding Circle's fast, affordable business loans
      • Apply in 10 mins, get a decision typically in 24 hours
      • Rates from 1.9% - no early repayment fees
    • Just Cashflow logo

      Just Cashflow

      • Just Cash Flow offers flexible funding options from £10,000 to £2,000,000
      • Funding is available to Limited companies, LLPs, Sole Traders and Partnerships who have been trading for 3 months+
      • As a flexible lender none of Just Cash Flow's products contain early repayment penalties
      • Applicants must be a UK property owner
      • Minimum Turnover
        No minimum
      • Available Amounts
        £10,000 to £2,000,000
      • Available Terms
        From 1 month

      Company details

      • Just Cash Flow offers flexible funding options from £10,000 to £2,000,000
      • Funding is available to Limited companies, LLPs, Sole Traders and Partnerships who have been trading for 3 months+
      • As a flexible lender none of Just Cash Flow's products contain early repayment penalties

      Eligibility criteria

      • Just Cash Flow offers flexible funding options from £10,000 to £2,000,000
      • Funding is available to Limited companies, LLPs, Sole Traders and Partnerships who have been trading for 3 months+
      • As a flexible lender none of Just Cash Flow's products contain early repayment penalties
    • iwoca logo

      iwoca

      • No hidden fees or long term commitments
      • Apply online in minutes
      • Approval within 48 hours, in some cases instantly
      • Minimum Turnover
        No minimum
      • Available Amounts
        £1,000 to £200,000
      • Available Terms
        up to 12 months

      Company details

      Eligibility criteria

    • Ferratum Business logo

      Ferratum Business

      • Free and no obligation application process, competitive rates
      • Complete the application form in 5 minutes, loan disbursed within one day of completed application
      • Decisions based on cash flow, not credit scores
      • Minimum Turnover
        £75,000 p.a.
      • Available Amounts
        £2,000 to £50,000
      • Available Terms
        6 to 18 months

      Company details

      • Free and no obligation application process, competitive rates
      • Complete the application form in 5 minutes, loan disbursed within one day of completed application
      • Decisions based on cash flow, not credit scores

      Eligibility criteria

      • Sole traders, partnerships and limited companies all welcome to apply.
      • Your company must have been trading for 2+ years.
      • Business owners must be UK based.
      • You must have a dedicated business bank account.
      • Business must have a physical presence.
    • Yorkshire Bank logo

      Yorkshire Bank

      • Quick and easy online business loan application for short and long-term finance options
      • Apply in 10 minutes with an instant response and if approved, funds are sent on the same business day
      • Rates from as low as 4.5% - no charge for early repayment
      • Minimum Turnover
        No minimum
      • Available Amounts
        £10,000 to £150,000
      • Available Terms
        6 months to 5 years

      Company details

      • Quick and easy online business loan application for short and long-term finance options
      • Apply in 10 minutes with an instant response and if approved, funds are sent on the same business day
      • Rates from as low as 4.5% - no charge for early repayment

      Eligibility criteria

      • Lending is subject to status and eligibility
      • Security may be required
    • Liberis logo

      Liberis

      • Your business must process credit and debit card transactions to apply for this product
      • Competitive pricing tailored to your business
      • Approval in as little as 5 mins, and funds can be yours within hours
      • 9 out of 10 customers would recommend Liberis
      • Minimum Turnover
        £2,500+ card transactions per month
      • Available Amounts
        £2,500 to £300,000
      • Available Terms
        4 to 12 months

      Company details

      • Approval in as little as 5 mins, and funds can be yours within hours!
      • Competitive pricing tailored to your business. No APR or hidden fees.
      • 9 out of 10 customers would recommend Liberis

      Eligibility criteria

      • Trading for 4+ months
      • Average £625+ a week in card payments
    • Ultimate Finance logo

      Ultimate Finance

      • Over £1 billion funded to date
      • 16 years working with UK businesses
      • 9 products to meet your needs
      • Minimum Turnover
        No minimum
      • Available Amounts
        £5,000 to £100,000
      • Available Terms
        Up to 12 months

      Company details

      • Over £1 billion funded to date
      • 16 years working with UK businesses
      • 9 products to meet your needs

      Eligibility criteria

      • Available to limited companies or LLPs with 2 years minimum trading
      • Personal Guarantee required
    • Lombard Business Loans logo

      Lombard Business Loans

      • Lombard is one of the UK's oldest and largest asset finance partner
      • They help thousands of businesses invest in their future every day
      • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018
      • Minimum Turnover
        No minimum
      • Available Amounts
        £6,320 to £150,000
      • Available Terms
        1 to 7 years

      Company details

      • Lombard is one of the UK's oldest and largest asset finance partner
      • They help thousands of businesses invest in their future every day
      • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018

      Eligibility criteria

    • Capital on Tap logo

      Capital on Tap

      • This is a business MasterCard
      • Credit limits up to £25,000 with no monthly or annual fees
      • 0% Interest on all card purchases, when balance cleared in full each month
      • Minimum Turnover
        £24,000 p.a.
      • Available Amounts
        £1,000 to £25,000
      • Available Terms
        1 month to 2 years

      Company details

      • Capital on Tap specialises in supporting the UK's SME's with business cards.
      • Offering Credit limits up to £25,000 with rates as low as 8.9%.
      • Since 2012, Capital on tap has provided more than 200M to over 30,000 UK businesses.

      Eligibility criteria

      • Limited Companies, Sole Traders, Partnerships and Limited Liability Partnerships all welcome to apply
      • No Outsanding CCJs
      • Minimum 12 months Trading History
    • Fleximize logo

      Fleximize

      • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
      • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
      • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day
      • Minimum Turnover
        £60,000 p.a.
      • Available Amounts
        £5,000 to £500,000
      • Available Terms
        1 month to 4 years

      Company details

      • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
      • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
      • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day

      Eligibility criteria

    • Esme Business Loans logo

      Esme Business Loans

      • Simple, fast & fair business loans from Esme Loans
      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments
      • Minimum Turnover
        £15,000 p.a.
      • Available Amounts
        £10,000 to £150,000
      • Available Terms
        1 to 5 years

      Company details

      • Simple, fast & fair business loans from Esme Loans
      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments

      Eligibility criteria

      • Limited Companies Only. Applicants must be a Director of the Business, over 18 and be able to provide a personal guarantee.
      • Must be actively trading for at least 18 months with a current turnover of at least £15,000.
    • Nucleus logo

      Nucleus

      • Fast service - receive your funding in 24 hrs
      • Unsecured and secured business loans
      • 7 products tailored to your business
      • Minimum Turnover
        £5,000
      • Available Amounts
        £5,000 to £50,000,000
      • Available Terms
        3 months to 8 years

      Company details

      • Fast service - receive your funding in 24 hrs
      • Human approach - Nucleus's in-house experts will guide you through the process
      • No early repayment fee

      Eligibility criteria

      • Fast service - receive your funding in 24 hrs
      • Human approach - Nucleus's in-house experts will guide you through the process
      • No early repayment fee
    • 365 Business Finance logo

      365 Business Finance

      • Your business must process credit and debit card transactions to apply for this product
      • A flexible business funding alternative
      • Cash advanced against card transactions
      • Pay back an affordable % of your card transactions
      • Minimum Turnover
        £5,000+ card transactions per month
      • Available Amounts
        £5,000 to £200,000
      • Available Terms
        4 to 18 months

      Company details

      • Get between £5,000 and £200,000
      • Pay back through your customer card transactions
      • A single all inclusive charge that never changes
      • No interest, APRs or hidden extras

      Eligibility criteria

      • Your business must have been trading for at least 6 months
      • Your business must accept debit and credit card payments
      • Your business must take at least £5,000 per month in card transactions.
    • Spotcap logo

      Spotcap

      • Fully unsecured business loan - no personal guarantees needed
      • Apply online in 15 mins, decision in one working day - funds available immediately
      • Early repayments are free
      • Minimum Turnover
        £500,000 p.a.
      • Available Amounts
        £50,000 to £250,000
      • Available Terms
        1 month to 2 years

      Company details

      Eligibility criteria

    • The Start Up Loans Company logo

      The Start Up Loans Company

      • Interest rate of fixed 6% per annum
      • Receive business mentoring and support after drawing down your loan
      • No application fees or early repayment fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £500 to £25,000
      • Available Terms
        1 to 5 years

      Company details

      • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
      • Start Up Loans have helped over 40,000 businesses get started in the UK
      • Free application support
      • Free post-loan business mentoring

      Eligibility criteria

      • Business is based in the UK
      • Trading for under 24 months
      • 18 years and over
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

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Commercial Mortgages FAQ

If you want financing to help you purchase a non-residential property for your business then you'll probably need a commercial mortgage. If you need more information on commercial mortgages, our brief selection of frequently asked questions below is a good place to start.

What is a commercial mortgage?

How long can I get a commercial mortgage for?

Do all commercial mortgages have variable rates?

Will I need to pay arrangement fees?

How much can I borrow?

What will I need to pay for valuation?

Why can't I find a definite commercial mortgage rate?

Will I need to pay legal fees?

Can I use a commercial mortgage broker?

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