Lendus.

Commercial Mortgages

Buy or refinance commercial property with competitive rates from 200+ UK lenders. Offices, shops, warehouses, pubs, hotels, and more.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Rates From

4.5% p.a.

LTV

Up to 80%

Terms

5-25 years

Amounts

£100k–£10m+

Compare commercial mortgage rates — 2 minutes, no credit check.

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Browse by property type

Garage & Forecourt

Petrol station forecourts, vehicle sales operations, and motor repair premises require lenders who understand the motor trade sector, fuel retail economics, and the environmental profile of fuel-handling sites.

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HMO

HMO properties — whether small licensed houses or large purpose-built blocks — require specialist finance. We work with lenders who understand HMO licensing, yield calculations, and the complexities of multi-occupancy investment.

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Commercial Land

Financing commercial land requires lenders who can assess planning potential, development risk, and the strategic value of a site. We source land finance for buyers, developers, and investors at every stage of the planning journey.

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Industrial Unit

Manufacturing facilities, trade counters, and light industrial units are among the most financeable commercial assets in the UK. We match borrowers with lenders who actively seek industrial sector opportunities.

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Care Home

Care home finance requires lenders who understand the regulatory environment, the role of CQC registration, and the operational complexity of the sector. We connect buyers and operators with specialist healthcare property lenders.

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Hotel

Hotel and hospitality finance requires lenders with deep sector knowledge. We connect buyers, operators, and investors with specialist lenders who understand RevPAR, occupancy economics, and the full hospitality spectrum.

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Mixed-Use

Mixed-use buildings — typically combining ground-floor commercial space with residential flats above — require lenders who can assess both income streams accurately. We find the right finance structure for your mixed-use asset.

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Office

Whether you're buying your first office, refinancing existing workspace, or expanding your portfolio of commercial property, we match you with lenders who understand office sector lending.

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Pub

Buying or refinancing a pub involves both property and business finance considerations. We work with specialist licensed trade lenders who understand the sector — from freehouses to managed houses.

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Restaurant Premises

From freehold restaurants in prime locations to investment acquisitions of established food and beverage premises, we match borrowers with lenders who understand the unique dynamics of the restaurant property market.

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Shop

From high-street lock-ups to out-of-town retail units, we source commercial mortgages tailored to the retail sector — whether you're buying, investing, or refinancing.

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Warehouse

Industrial and logistics property continues to be one of the most resilient commercial asset classes. We connect buyers and investors with lenders who understand the warehouse and distribution sector.

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Compare commercial mortgage rates from 200+ lenders — 2 minutes, no credit check

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Representative cost example

Borrow £500,000 over 20 years at 5.5% per annum. Monthly repayment: ~£3,440. Total repayable: ~£825,600. Your rate depends on LTV, property type, and business trading history.

Related resources

Frequently asked questions

What is a commercial mortgage?
A commercial mortgage is a loan secured against a commercial property — offices, shops, warehouses, pubs, hotels, or industrial units. Terms are typically 5-25 years with rates from 4.5% per annum.
How much deposit do I need?
Most commercial mortgage lenders require a deposit of 20-40% of the property value. Owner-occupied properties may qualify for up to 80% LTV, while investment properties typically max out at 70-75% LTV.
Can I get a commercial mortgage for a pub or restaurant?
Yes, though specialist lenders are needed. Licensed premises, hotels, and restaurants are considered specialist property types with additional requirements like trading accounts and licence documentation.
What's the difference between owner-occupied and investment?
Owner-occupied means your business operates from the property. Investment means you're buying to let to tenants. Rates are usually lower for owner-occupied because the lender sees your business as an additional repayment source.
How long does a commercial mortgage take?
A straightforward commercial mortgage typically completes in 6-12 weeks. Complex cases involving specialist properties or large portfolios may take 3-6 months.
Can I get a commercial mortgage with bad credit?
Some specialist lenders consider applicants with imperfect credit, though you'll likely face higher rates and lower LTV ratios. A strong property and business case can offset credit concerns.

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