Commercial mortgage
A commercial mortgage is a long-term loan to buy, refinance or develop business premises, secured against the property. It's the lowest-cost way to fund property over the long run.
No credit check to see your options.
Amount
Typically up to 75% of property value
Term
5 – 25 years
Security
Secured on the property
Who it suits
Buying premises instead of renting
Refinancing an existing commercial property
Longer-term property investment or development
Pros
Low long-term cost
Build equity instead of paying rent
Long repayment terms
Worth knowing
Deposit and valuation required
Slower to complete
Property at risk on default
What it costs you
Indicative only. Actual terms depend on the lender and your circumstances. The calculator shows monthly repayments across the ranges above.
Related facilities
Frequently asked questions
How big a deposit do I need for a commercial mortgage?
Typically 25–40% of the property value, though it varies by lender, sector and the strength of the business.
See what you qualify for
Start your application now. It's free, takes minutes, and there's no credit check to view your options.