Commercial mortgages with rates, fees and commission shown clearly.
Compare commercial mortgage rates from UK lenders for investment property and owner-occupied business premises. £100k to £50m, terms up to 25 years. Fixed or variable. See rates, fees, LTV, repayments and our broker commission side by side before you choose.
A commercial mortgage is a long-term loan (3 to 25 years) secured against property used for business purposes. Rates typically range from 5% to 8% with LTV up to 75%. Lendaris compares commercial mortgage options across UK lenders and shares 50% of broker commission above £500 with the borrower on completion.
AT A GLANCE
Commercial mortgage rates and key terms
Loan sizes
£100k – £50m
LTV (up to)
75%
Term
3 – 25 years
Interest
Fixed or variable
Rate (from)
6.5% p.a.
Decision
DIP 5–10 days
COMMON SCENARIOS
When a commercial mortgage is used
LENDER CRITERIA
What commercial mortgage lenders assess
TRANSPARENT COMPARISON
Compare commercial mortgage rates side by side
Commercial mortgage appetite varies hugely between lenders. Loan-to-value, debt service cover, owner profile, sector, entity type — every lender draws the line differently.
We run your deal across our panel and surface every match. You see the commercial mortgage rate, term, fees and our commission per lender, side by side. You choose who we submit to.
WHAT YOU SEE
- Every lender match for your deal
- Rate, term, arrangement fee, and total cost
- Fixed and variable options compared
- Our broker commission per lender — fully disclosed
- Your estimated commission share per lender
- Live status as each submission progresses
A WORKED EXAMPLE
Your commission share on a commercial mortgage
Commission paid 7 working days after the lender pays us.
THE DEAL
£1,200,000
- 15-year commercial mortgage
- Owner-occupied office property
- 65% LTV
- Fixed for 5 years, then revert to variable
THE COMMISSION
£12,000
- 1.0% commission (typical for commercial)
- Fully disclosed before submission
- Paid by lender on completion
- Subject to final lender terms
COMMISSION
£12,000
LENDARIS KEEPS
£6,250
YOU RECEIVE
£5,750
Example assumes typical 1.0% commercial mortgage commission. £500 minimum retained by Lendaris; surplus split 50/50. Subject to lender commission arrangements.
See how much you could save. Learn how commission sharing works
FREQUENTLY ASKED
Common questions about commercial mortgages
A commercial mortgage is a long-term secured loan against commercial property — offices, warehouses, retail units, industrial premises, or mixed-use buildings. Terms typically range from 3 to 25 years, with fixed or variable interest rate options.
A commercial investment mortgage is for buying or refinancing a property let to tenants — affordability is based on rental income. An owner-occupier commercial mortgage is for a business buying its own trading premises — affordability is based on the business's trading profits (EBITDA).
For investment deals, lenders calculate the debt service cover ratio (DSCR): the annual rental income divided by the annual mortgage payments. Most commercial mortgage lenders require DSCR of 125–150%, meaning the rent must cover the mortgage payments with headroom.
For owner-occupier commercial mortgages, lenders look at the business's EBITDA (earnings before interest, tax, depreciation and amortisation), typically from 2–3 years of filed accounts. Some accept management accounts for more recent trading. The business must demonstrate it can service the debt comfortably.
Yes. Most commercial mortgages are taken by limited companies, LLPs, partnerships, or SPVs. Some lenders also lend to individuals, SIPPs, SSASs, trusts, and overseas entities — though the panel narrows for more complex structures.
Commercial mortgage terms range from 3 to 25 years depending on the lender, property type, and borrower profile. Most deals are structured on a capital-and-interest basis, though some lenders offer interest-only periods or full interest-only for strong covenant tenants.
Key fees include the arrangement fee (typically 1–2% of the loan), valuation fee, legal fees, and any early repayment charges. We show all commercial mortgage fees per lender alongside the rate so you can compare the true cost, not just the headline number.
The lender pays us a broker commission (typically 0.75–1.25% on commercial mortgages). We keep £500 plus 50% of the surplus, and pay the other 50% directly to your bank within 7 working days. Every penny is disclosed before you instruct us to submit.
Results are indicative and depend on lender criteria, valuation, security, credit profile, exit route and full underwriting. Commercial finance may be unregulated. Some property finance can be regulated depending on borrower, property use and loan purpose. The correct status should be confirmed case by case.
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Rates, fees and commission shown clearly. No credit check. No commitment until you instruct us to submit.
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