Lendus.

Commercial Mortgages for Office Premises

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.

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

Rates

4.5% – 7.5%

per annum

Term

5-25 years

Max LTV

Up to 75%

Amount

£100k – £15m

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Mortgage types available

Owner-Occupied

Rate
4.5% - 6.5%
Term
5-25 years
Max LTV
Up to 75%

Best for: Businesses buying the office they trade from — typically lower rates as lender risk is reduced by the owner's operational presence

Investment

Rate
5.0% - 7.5%
Term
5-25 years
Max LTV
Up to 70%

Best for: Landlords acquiring offices to let to third-party tenants — lenders assess rental income against debt service

Refinance

Rate
4.5% - 7.0%
Term
5-25 years
Max LTV
Up to 70%

Best for: Businesses or investors releasing equity from an existing office asset or moving from a higher-rate product

Key considerations

Eligibility requirements

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Market context

The UK office market continues to show resilience in prime locations despite structural shifts toward hybrid working. As of 2026, Grade A office space in major UK cities commands strong rental premiums, with central London rents exceeding £100 per sq ft in some submarkets. Regional cities such as Manchester, Birmingham, and Leeds have seen sustained occupier demand. The commercial mortgage market for offices remains active, with high-street banks, challenger lenders, and specialist commercial finance providers all actively competing for quality deals.

Frequently asked questions

What deposit do I need to buy an office on a commercial mortgage?
Most lenders require a minimum deposit of 25% for office properties, equating to a maximum LTV of 75%. Some lenders will go higher for strong owner-occupied cases with excellent financials, but 25-30% is the standard starting point. Investment purchases may require a higher deposit if the rental yield is marginal.
Can I get a commercial mortgage for a serviced office building?
Yes, though serviced and flexible office buildings are considered higher risk due to the short-term nature of occupancy agreements. Lenders will typically require additional due diligence on occupancy rates and management credentials. Specialist commercial lenders are usually better placed than high-street banks for this type of asset.
How long does a commercial office mortgage application take?
The process typically takes 6-12 weeks from application to completion, depending on valuation, legal work, and any planning or lease queries. Complex deals involving multi-tenanted buildings or significant lease negotiations can take longer. Working with a specialist broker who has direct lender relationships can help accelerate the process.
Will lenders consider the EPC rating of the office?
Increasingly yes. The Minimum Energy Efficiency Standards (MEES) regulations already apply to commercial lettings, and lenders are factoring in EPC ratings as part of their risk assessment. Many now favour offices with an EPC rating of C or above, and some will lend against lower-rated properties only with a credible improvement plan.
Can I borrow against an office I already own to raise business capital?
Yes, this is known as a commercial remortgage or equity release against commercial property. If your office has increased in value or you have paid down a significant portion of the original mortgage, you may be able to release equity as a lump sum. The funds can typically be used for business purposes including refurbishment, expansion, or working capital.

Related property types

Warehouse Industrial Unit Mixed-Use

Guides and resources

What Is a Commercial Mortgage? Commercial Mortgage Rates Commercial Mortgage vs Bridging Best Commercial Mortgage Lenders

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