Commercial mortgages
Long-term finance against commercial property purchase or refinance. Two flavours: owner-occupier (you trade from the property) and investment (you let the property to a third party). Different underwriting, different lenders.
Director, FundBiz
Oliver leads FundBiz's specialty finance comparison and matching engine. With a background in UK commercial finance, he oversees lender partnerships, eligibility logic and post-decline routing.
Last reviewed: 26 April 2026
At a glance
- Ticket size
- £150,000 to £10m+
- Typical LTV
- Up to 75% owner-occupier, 65% investment
- Term
- 5 to 25 years
- Typical rate
- From 7.5% (rate-sensitive)
- Decision
- 2 to 4 weeks
- Personal guarantee
- Usually limited PG
Owner-occupier vs investment
Owner-occupier mortgages are easier to underwrite because the lender can see the trading business that will service the debt. Investment mortgages depend on rental coverage of the debt service (typically 130% to 150%) and the quality of the tenant covenant.
Lenders we route to
Allica Bank, OakNorth, Aldermore, Shawbrook, Hampshire Trust Bank, Cambridge & Counties, plus high-street banks for clean owner-occupier deals on smaller tickets. The matcher routes by deal type, ticket size, LTV and asset class (industrial, retail, office, healthcare).
Check the cover
Commercial-mortgage underwriting hinges on DSCR. Confirm your serviceable cover comfortably exceeds the lender's threshold before applying.
Apply
Open commercial mortgage eligibility checker →Last reviewed: 26 April 2026.