Commercial Mortgages
Looking to buy property for your business or as an investment? We have advisors who specialise in commercial mortgages and can guide you to the right lender.
Commercial Mortgage Advice
A commercial mortgage is used to buy property that will be used for business purposes. This could be premises for your own company, a buy to let on a larger scale such as an office block or shop, or an investment in commercial property.
Commercial mortgages work differently from residential mortgages. Lenders often require a higher deposit, usually 25% or more, and will assess affordability based on business income and projected rental yield rather than just personal salary. Rates can also vary depending on the type of property and the strength of your business plan.
At Online Mortgage Advisor, our specialists understand the commercial lending market. They know which lenders are open to different types of applications, from owner occupiers to investors, and will guide you through the process from first questions to completion.
“Commercial mortgages are more complex than standard mortgages, but with the right guidance, they can unlock valuable opportunities. We explain the criteria clearly and guide you to lenders who understand your business.”
Check your affordability
Use our commercial mortgage calculator to see how much your monthly repayments could be.
Read our guides
Browse our commercial mortgage guides to understand deposits, lender criteria, and how investment property is assessed.
Compare commercial mortgage deals
Use our comparison tool to check lenders currently offering commercial mortgages.
Speak to an expert
Get matched with an advisor who specialises in commercial mortgages and knows which lenders are most likely to approve your application.
Our advisors know how commercial lenders assess businesses and investors, and can help you secure the right deal. Enquire today.
Our Guides
Expert mortgage guidance tailored for commercial borrowers.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Obtaining a commercial mortgage can be more challenging than a residential one, as lenders typically have stricter requirements. They will closely examine your credit history, the financial health of your business, and your ability to repay the loan.
Lenders usually want to see a solid business plan, proof of consistent revenue, and sometimes ask for a larger deposit compared to residential mortgages. The stronger your business’s financial position, the better your chances of securing favorable terms.
Most commercial mortgages are not regulated in the same way as residential mortgages, since they are tailored to the specific needs and circumstances of the business or borrower.
However, if a significant portion of the property is used for residential purposes, or if it is a mixed-use property, the mortgage may fall under regulation by the Financial Conduct Authority (FCA). It’s important to check with your lender whether your specific mortgage is subject to regulation.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
More Commercial Articles
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.