Our picks for the best UK commercial mortgage lenders in 2026, covering owner-occupied, investment, semi-commercial, and mixed-use properties.
Last updated: April 2026. Written by the Lendus editorial team.
A commercial mortgage can help UK businesses and property investors purchase or refinance office buildings, retail units, warehouses, pubs, hotels, and mixed-use properties. With rates having stabilised following the 2023–24 base rate cycle, 2026 is an active market with competitive pricing from both specialist banks and challenger lenders.
Together Money has become the benchmark lender for commercial properties that mainstream banks won't touch — including short-lease buildings, mixed-use properties with unusual commercial elements, ex-local authority holdings, and properties requiring light refurbishment. Its flexible underwriting and willingness to lend on property value rather than income alone make it indispensable for experienced investors. Terms available up to 25 years.
Shawbrook Bank is a leading specialist bank for professional property investors seeking commercial mortgages on retail, industrial, office, and HMO properties. Its underwriting team is experienced in complex investment structures including SPVs, limited companies, and portfolio landlords with large property books. Competitive rates and consistent service standards have earned it a strong broker following.
Aldermore's commercial mortgage range is particularly well-suited to business owners purchasing their own trading premises — a doctor's surgery, a restaurant, a car showroom, or an industrial unit. It takes a pragmatic view on affordability, using business cashflow projections alongside property rental value in its assessment. Terms up to 25 years and LTVs to 75% are available.
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Check Eligibility| Lender | Best For | Rates | Amount | Speed | Rating |
|---|---|---|---|---|---|
| Together Money | Best for non-standard and complex properties | From 5.99% p.a. | £75,000 – £5,000,000 | 7–14 business days | 4.1/5 |
| Shawbrook Bank | Best for investment and buy-to-let landlords | From 5.75% p.a. | £150,000 – £5,000,000 | 5–10 business days | 4/5 |
| Aldermore Bank | Best for owner-occupiers | From 6.19% p.a. | £75,000 – £3,000,000 | 7–14 business days | 4.1/5 |
| Hampshire Trust Bank | Best for holiday lets and specialist hospitality | From 6.49% p.a. | £150,000 – £3,000,000 | 7–10 business days | 4.2/5 |
| Paragon Bank | Best for buy-to-let portfolio landlords | From 5.49% p.a. | £75,000 – £3,000,000 | 5–10 business days | 3.9/5 |
| Precise Mortgages | Best for adverse credit applicants | From 6.75% p.a. | £75,000 – £3,000,000 | 7–14 business days | 3.9/5 |
We evaluated commercial mortgage lenders on loan-to-value ratios, interest rates and fee structures, minimum and maximum loan sizes, range of property types accepted, speed of credit decisions, FCA authorisation and PRA status where applicable, and the quality of broker and customer service. We considered lenders active across England, Scotland, Wales, and Northern Ireland where possible.
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