Hold the asset. Service the debt properly.
Term finance from £100k to £25m for income producing and owner occupied commercial property. Investment facilities, owner occupier loans, portfolio refinances and bridge exits, from 1 to 30 years.
Investment or owner occupied: the split that sets everything
Investment facilities are underwritten on the rent. The lender stresses rental income against the debt service, looks at tenant strength, lease length and asset quality, and sizes the loan from there. Portfolio landlords borrowing through SPVs are the standard customer, not the exception.
Owner occupied facilities are underwritten on your business. Trading accounts, EBITDA and sector outlook set the loan, with the property as security rather than the income source. Often the cheapest way for an established business to stop paying someone else's mortgage in rent.
Semi commercial (a shop with flats above, for instance) sits between the two on pricing and is a market where whole of market access genuinely moves the rate you pay.
The bridge exit
A large share of our term lending refinances our own bridging and development clients: the refurb is done, the units are let, and the debt should now be priced for stability instead of speed. If you are mid bridge with us, the exit facility gets packaged from the file we already hold. If your bridge is elsewhere and expiring, we can refinance that too.
What does a commercial mortgage cost?
| Cost line | Typical range | Notes |
|---|---|---|
| Interest rate | from 5.9% pa | Fixed and variable available; driven by asset, covenant, leverage |
| Lender arrangement fee | 1% to 2% | Usually added to the loan |
| Valuation | Asset specific | Commercial valuations cost more than residential |
| Legal costs | Both sides yours | Scale with complexity and title |
| Repayment basis | Interest only or capital and interest | The calculator models both |
Indicative ranges based on current whole of market pricing, July 2026.
Serviceability usually bites before LTV: lenders stress the rent or the trading profits against an assumed higher rate, and that stress test sets the maximum loan more often than the 75% cap does. This is exactly what the calculator shows you when you toggle repayment basis and term.
Commercial mortgage FAQs
How much deposit do I need?
At least 25% typically, since maximum leverage is around 75% LTV. Serviceability stress tests often constrain the loan before the LTV cap does.
What are current rates?
From around 5.9% pa across terms of 1 to 30 years. Asset quality, covenant strength and leverage set your actual price; the calculator gives you a live indication.
Can I borrow through a limited company or SPV?
Yes, it is standard, usually with personal guarantees from directors.
What is the difference between investment and owner occupied?
Investment loans are sized on rental income; owner occupied loans on your trading performance. Different underwriting, different stress tests, different lenders.