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Secure a Commercial Mortgage Loan Built Around Your Business

Whether you're purchasing commercial premises, investing in commercial property, or refinancing an existing commercial mortgage loan, our specialist brokers search a panel of 100+ lenders to find the most competitive terms for your circumstances, with no upfront fees and no obligation.
  • Rates from
    7%
  • LTV up to 75%
  • £0 Deposit
  • Loan terms up to 25 years
  • Access to 104+ lenders
Ready to explore your commercial mortgage options?

No upfront fees. No obligation. Speak to a specialist broker today.

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What Is a Commercial Mortgage Loan?

A commercial mortgage loan is a long-term finance facility secured against a property used wholly or partly for business purposes. Unlike a residential mortgage, lenders assess commercial mortgage applications based on the financial strength of the business, the income-generating potential of the property, and the overall risk profile of the deal.

Commercial mortgage loans are commonly used to:

  • Purchase business premises - buying the building your business operates from rather than paying rent indefinitely

  • Invest in commercial property - acquiring offices, retail units, industrial units, or mixed-use buildings as income-producing assets

  • Refinance an existing commercial mortgage - securing better commercial mortgage rates, releasing equity, or consolidating lending

  • Fund semi-commercial properties - buildings with both commercial and residential elements, such as a retail unit with flats above

  • Owner-occupied commercial property - where the borrowing business trades from the premises

Important: Union Business Finance is an independent commercial mortgage broker, not a lender.

We don't provide commercial mortgage loans directly. We search our panel of 100+ specialist lenders to find the most suitable commercial mortgage loan for your situation – saving you time, protecting your credit profile, and ensuring you're presented to the right lender first time.

Finance Calculator

 

Please note this is not a quotation for finance, this is for illustrative purposes only. The figures are available to UK incorporated businesses only. The value provided is intended as a guide only. For an accurate quotation please contact us.

Key Features at a Glance

FeatureDetail
Loan amounts

From £100,000 upwards

LTV

Typically up to 70–75%

Repayment type

Capital repayment or interest-only commercial mortgage

Loan term

3 to 25 years

Rate type

Fixed or variable commercial mortgage interest rates

Borrower types

Limited companies, LLPs, partnerships, sole traders

Property types

Owner-occupied, investment, semi-commercial, buy-to-let

Adverse credit

Specialist lenders available for complex cases

Upfront broker fee

£0 – no upfront costs

Types of Commercial Mortgage Loan We Arrange

Not all commercial mortgage loans are the same. The type of facility you need depends on how you intend to use the property and your business circumstances.

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Owner-Occupied Commercial Mortgage

You're buying the premises your business operates from. Lenders assess your business's ability to service the commercial mortgage loan alongside the property's value. Your repayments build equity in an asset rather than going to a landlord.

Ideal for: Retailers, manufacturers, professional services firms, healthcare practices, and any business looking to own its premises.

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Commercial Investment Mortgage

You're purchasing a commercial property to let to third-party business tenants. Lenders focus primarily on the rental income generated and may require a tenancy agreement in place.

Ideal for: Property investors and landlords acquiring offices, retail units, warehouses, or mixed-use assets.

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Semi-Commercial Mortgage

Semi-commercial properties contain both commercial and residential elements – such as a ground-floor shop with residential flats above. Specialist lenders are often required, making whole-of-market broker access essential.

Ideal for: Investors purchasing mixed-use properties or owner-operators of combined residential/commercial buildings.

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Commercial Buy-to-Let Mortgage

For landlords investing in commercial property to let to business tenants on a lease. Lenders assess the quality of the tenant covenant and length of lease alongside the property value.

Ideal for: Experienced landlords and property investors diversifying into commercial lettings.

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Commercial Mortgage Refinance

Already hold a commercial mortgage? We can search the market to review your commercial mortgage rates, release equity, or restructure your lending.

Ideal for: Businesses and investors coming off fixed rates, needing capital, or looking to reduce their commercial mortgage interest rates.

Not sure which type of commercial mortgage loan is right for you?

Our brokers will assess your situation and recommend the most suitable product – at no cost to you.
Talk to a Broker
Get a Free Assessment

Commercial Mortgage Loan Rates – What Affects Yours?

Commercial mortgage loan rates are individually assessed. As your broker, we present your case to lenders who are most likely to offer competitive commercial mortgage rates based on your profile.
FactorHow It WorksImpact
Loan to Value (LTV)

The lower your LTV, the more competitive your commercial mortgage rate. Most lenders cap at 70–75% LTV.

Lower LTV = better rate
Property type

Standard commercial assets attract more competitive rates than specialist or unusual properties.

Standard > Specialist
Repayment method

Interest-only commercial mortgages often carry slightly higher rates than capital repayment products.

Repayment slightly cheaper
Business financials

Profitability, trading history, and affordability are all assessed by commercial mortgage lenders.

Strong accounts help
Loan amount

Larger commercial mortgage loan amounts often attract more competitive rates.

Larger loans = better rates
Property condition

Newly built or well-maintained properties are viewed more favourably by lenders.

Good condition helps
Tenant quality (investment)

For investment mortgages, the quality and length of the tenant's lease matters significantly.

Strong tenant = better terms
Credit history

Business and personal credit history are both assessed. Adverse credit may require specialist lenders.

Good credit = better rate

Find out what commercial mortgage rate you qualify for

We'll give you a clear indication within 24 hours – with no impact on your credit score.

Talk to a Broker
Get a Free Assessment

Commercial Mortgage Loan vs Business Loan

A common question we're asked is whether a commercial mortgage loan or a business loan is more suitable. Here's a straightforward comparison:

FeatureCommercial Mortgage LoanBusiness Loan
Purpose

Purchasing or refinancing commercial property

Working capital, growth, acquisition
Security

Secured against the commercial property

Secured (asset/property) or unsecured
Loan amounts

£100,000 – £10m+

£10,000 – £2m
Typical term

3 – 25 years

1 – 7 years
Interest rates

Typically lower (secured on property)

Varies; often higher than commercial mortgage rates
Repayment

Monthly capital + interest or interest only

Monthly capital + interest
Key consideration

Best for property purchase or investment

Best for operational or growth funding

Not sure which is right for you? Our brokers will review your situation and recommend the most appropriate facility.

Typical Eligibility Criteria for a Commercial Mortgage Loan

Eligibility varies by lender – which is exactly why working with a whole-of-market broker matters. Most lenders will look for the following:

You Are Likely to Be Eligible If:

  • Your business has a minimum of 2 years' trading history

  • The property is a viable commercial or semi-commercial asset

  • You have a deposit or equity of at least 25–30%

  • Your business or the property generates sufficient income to service the commercial mortgage loan

  • All directors or guarantors are UK residents

You May Struggle With High-Street Lenders If:

  • You have adverse credit, CCJs, or defaults (specialist lenders may still be able to help)
  • Your business has been trading for less than 2 years
  • The property is unusual, specialist, or in poor condition
  • You require a high LTV commercial mortgage loan above 75%
Apply Now

You May Struggle With High-Street Lenders If:

  • You have adverse credit, CCJs, or defaults (specialist lenders may still be able to help)
  • Your business has been trading for less than 2 years
  • The property is unusual, specialist, or in poor condition
  • You require a high LTV commercial mortgage loan above 75%

Even if you've been declined elsewhere or have a complex situation, we may still be able to help.
We have access to specialist commercial mortgage lenders who consider applications that mainstream banks won't.

How Our Commercial Mortgage Loan Process Works

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Initial Consultation

Tell us about the property, your business, and your goals. Our brokers will carry out an initial assessment and confirm whether we can help before any credit checks are run.
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Market Search

We search our panel of 100+ commercial mortgage lenders and identify the most suitable options based on your circumstances, loan amount, LTV, and property type.
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Indicative Terms

We present you with indicative commercial mortgage loan terms and rates from relevant lenders so you can make an informed decision before proceeding.
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Application & Underwriting

Once you're happy to proceed, we prepare and submit your application, manage the underwriting process, and liaise with the lender, surveyor, and solicitors on your behalf.
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Mortgage Offer & Completion

Following credit approval and property valuation, a formal commercial mortgage offer is issued. We support you through to legal completion.
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Enquire Now

Ready to start? Step 1 takes less than 5 minutes.

Tell us about your property and we'll take it from there.

Start My Application
Call Us: 01442 617 799

Why Choose Union Business Finance?

At Union Business Finance, our specialist brokers deliver fast, flexible funding that gets deals over the line. Here’s why UK businesses proudly choose us:

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Whole-of-Market Access

We compare 100+ specialist commercial mortgage lenders – not just the high street – to find the most competitive terms for your deal.

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No Upfront Fees

You pay nothing upfront. We're paid by the lender only when your commercial mortgage loan completes.

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Credit Profile Protection

We assess your case before approaching lenders, so we only submit to the right lender first time, protecting your business credit profile.

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10+ Years' Experience

Our brokers have a proven track record arranging commercial mortgage loans across a wide range of sectors and property types.

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Personal Service

You'll have a named broker managing your case from enquiry to completion. No call centres.

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Complex Cases Welcome

Adverse credit, short trading history, specialist properties – we have lenders for situations that mainstream banks decline.

Testimonials

"I highly recommend union finance they are very professional and no messing around.I initially approached a different broker to begin with who quoted me very expensive rate, but union was recommended by a friend who managed to save me thousands! Thank you! Will definitely recommend union."

- Sajeev Nathan

"Union Business Finance has proven to be a trustworthy and outstanding partner for businesses seeking financial solutions. With their deep industry knowledge, flexibility in financing options, efficient processes, and exceptional customer service, Union Business Finance sets the standard for excellence in business finance."

- Vijayarahavan Nalliah

"Absolute pleasure to deal with Union Finance, especially Sujane. He explained everything thoroughly, talked me through the process step by step and kept me informed at every stage of the application. Highly recommended."

- Numaan Khan

"So glad I got in touch with this company. They have been very brilliant. They were so helpful and sorted out everything for me really quickly. I would definitely recommend this company to everyone. "

- Senthil Kumar Subbiah

"I highly recommend union finance they fast and professional work, all the stuff very friendly especially team manager keethan balaruban actually very helpful and support, really great service. Thank you."

- Vidhya Mohan

"Very Professional and responsive. They got back to me within a day with very good rates and made my dream come true!!! Recommended 100%."

- Alex Hatz

"I highly recommend union finance they are very professional and no messing around.I initially approached a different broker to begin with who quoted me very expensive rate, but union was recommended by a friend who managed to save me thousands! Thank you! Will definitely recommend union."

- Sajeev Nathan

"Union Business Finance has proven to be a trustworthy and outstanding partner for businesses seeking financial solutions. With their deep industry knowledge, flexibility in financing options, efficient processes, and exceptional customer service, Union Business Finance sets the standard for excellence in business finance."

- Vijayarahavan Nalliah

"Absolute pleasure to deal with Union Finance, especially Sujane. He explained everything thoroughly, talked me through the process step by step and kept me informed at every stage of the application. Highly recommended."

- Numaan Khan

"So glad I got in touch with this company. They have been very brilliant. They were so helpful and sorted out everything for me really quickly. I would definitely recommend this company to everyone. "

- Senthil Kumar Subbiah

"I highly recommend union finance they fast and professional work, all the stuff very friendly especially team manager keethan balaruban actually very helpful and support, really great service. Thank you."

- Vidhya Mohan

"Very Professional and responsive. They got back to me within a day with very good rates and made my dream come true!!! Recommended 100%"

- Alex Hatz

    Enquire Today & Get the Funding You Need

    At Union Business Finance, we appreciate that time is precious, so we aim to make acquiring the right finance as easy as possible for you. Get in touch today for a FREE, no-obligation consultation, and we’ll match you to the right solution for your business.

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    FAQs

    What is a commercial mortgage loan?

    A commercial mortgage loan is a long-term finance facility secured against a commercial or semi-commercial property. It can be used to purchase business premises, acquire investment properties, or refinance existing commercial property debt.

    What commercial mortgage loan rates can I expect?

    Commercial mortgage loan rates in the UK typically start from around 6%, though the rate you're offered will depend on your LTV, property type, business financial strength, and the lender. We present your case to lenders most likely to offer competitive commercial mortgage rates based on your profile.

    How much can I borrow with a commercial mortgage loan?

    Commercial mortgage loan amounts typically start from £100,000, with no fixed upper limit for the right deal. The amount depends on the property value and LTV, your business's ability to service the loan, and the lender's individual criteria.

    What is the maximum LTV for a commercial mortgage loan?

    Most commercial mortgage lenders lend up to 70–75% LTV, meaning you'll typically need a deposit or equity of 25–30%. Higher LTV products are available from specialist lenders in certain circumstances.

    Can I get an interest-only commercial mortgage?

    Yes. Interest-only commercial mortgages are available, particularly for investment properties where rental income services the interest. At the end of the term, the full loan amount remains outstanding and must be repaid. We'll advise whether this is appropriate for your situation.

    How long does it take to arrange a commercial mortgage loan?

    Typically 6 to 12 weeks from application to completion, depending on deal complexity, property valuation, and the lender's underwriting process. We manage the process proactively to minimise delays.

    Can I get a commercial mortgage loan with bad credit?

    It's more challenging but not impossible. Specialist commercial mortgage lenders consider applications with adverse credit, CCJs, or defaults where mainstream banks would decline. As whole-of-market brokers, we can identify the most suitable lender for your circumstances.

    Will applying affect my credit score?

    Not initially. We carry out an initial desk-based assessment before approaching any lender. A formal credit check is only run with your agreement, and only with lenders we believe are well-matched to your application.

    Want to talk? Let's do it!

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