Commercial Mortgages/Business Mortgages

Find the best commercial mortgage rate. Our unbiased best buys will help you find the best business mortgage rates for your commercial property.

All Commercial Mortgages

Lending Sector

Farms

Base Rate

4.65%

Max LTV

70%

Margin above Base

0% - 2%

Term Min-Max

10yrs - 25yrs

Lending Sector

Franchises

Base Rate

0.25%

Max LTV

75%

Margin above Base

Neg

Term Min-Max

2yrs - 30yrs

Lending Sector

Garage Showrooms

Base Rate

0.25%

Max LTV

75%

Margin above Base

Neg

Term Min-Max

5yrs - 25yrs

Lending Sector

Hotels

Base Rate

LIBOR

Max LTV

75%

Margin above Base

2.99% - 6.50%

Term Min-Max

3yrs - 30yrs

Lending Sector

Offices

Base Rate

0.25%

Max LTV

80%

Margin above Base

Neg

Term Min-Max

1yr - 25yrs

Lending Sector

Petrol Stations

Base Rate

Neg

Max LTV

75%

Margin above Base

Neg

Term Min-Max

1mth - 8yrs

Lending Sector

Residential Investment Property

Base Rate

LIBOR

Max LTV

85%

Margin above Base

3.54% - 6.14%

Term Min-Max

2yrs - 30yrs

Lending Sector

Residential Property Development

Base Rate

LIBOR

Max LTV

70%

Margin above Base

3% - 5%

Term Min-Max

1yr - 20yrs

Lending Sector

Retail

Base Rate

0.25%

Max LTV

70%

Margin above Base

Neg

Term Min-Max

1yr - 10yrs

Lending Sector

Schools & Nurseries

Base Rate

0.25%

Max LTV

70%

Margin above Base

Neg

Term Min-Max

1yr - 25yrs

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply via Moneyfacts.co.uk today. Where we link you to a Commercial Mortgage Broker, any legal or contractual relationship will be with them. Products shown with a yellow background are sponsored products.

A sponsored product is a product that has not met the criteria to appear in the best buy tables at that time, but which we may receive a payment to promote below these charts. They are listed with the products we have the best commercial deal with shown first.

What is a Commercial mortgage?

Commercial mortgages are used to buy business premises or to buy an existing business in its entirety.

Lenders generally require a deposit of around 25%-40% of the total value and mortgage terms can run for one year, up to 40 years.

Obtaining a commercial mortgage is based on the ability of your business to make the repayments. You will also find that lenders will assess your business before quoting you an interest rate.

They generally look at past performance, the current position and long term future plans of the business. The interest rate you will be quoted may be based on these factors and may be higher if the underwriter identifies higher risk in the proposal. You may need to provide a detailed business plan which demonstrates that you can make repayments, and a professional valuation will usually be required.

Our commercial mortgage best buys

Our commercial mortgage best buys show a selection of the most competitive lenders operating in different lending sectors. It is usually the case that these lenders also consider other types of property (a lender which lends on garage showrooms may also lend on office buildings for instance), although you should note that the deposit you are required to provide may differ between lending sectors, so it’s always best to check the deposit you’d need for the type of business premises you have, or are considering.