Lendus.

Commercial Mortgages for Warehouse Properties

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.

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

Rates

4.5% – 7.0%

per annum

Term

5-25 years

Max LTV

Up to 75%

Amount

£150k – £20m

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Mortgage types available

Owner-Occupied

Rate
4.5% - 6.0%
Term
5-25 years
Max LTV
Up to 75%

Best for: Businesses buying their own storage, distribution, or manufacturing space — strong lender appetite given asset quality and operational security

Investment

Rate
5.0% - 7.0%
Term
5-25 years
Max LTV
Up to 75%

Best for: Investors acquiring warehouses to let — lenders favour long leases with established logistics, e-commerce, or manufacturing tenants

Refinance

Rate
4.5% - 6.5%
Term
5-25 years
Max LTV
Up to 70%

Best for: Owners looking to remortgage an existing warehouse asset, release equity, or consolidate borrowing

Key considerations

Eligibility requirements

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Market context

The UK warehouse and logistics sector has been one of the strongest performing commercial property asset classes since 2020. Driven by the sustained growth in e-commerce, demand for distribution space consistently outpaces supply in key logistics corridors including the Golden Triangle (the Midlands), the North West, and the South East. Take-up of large distribution units (100,000+ sq ft) remains at historically high levels, and investor appetite for industrial assets continues to attract both institutional and private capital. Prime logistics yields have compressed to sub-4% in some markets, reflecting the strong occupational and investment fundamentals.

Frequently asked questions

Are warehouse mortgages easier to obtain than retail mortgages?
Generally yes. Industrial and logistics property is considered lower risk than retail by most lenders, and this is reflected in more competitive rates and higher available LTVs. The structural demand for warehouse space, long lease terms common in the sector, and high tenant covenant quality all contribute to lender confidence.
What size of warehouse can I finance with a commercial mortgage?
Commercial mortgages are available for warehouses of almost any size, from small trade counter units of 1,000 sq ft to large distribution centres exceeding 500,000 sq ft. Very large transactions (typically above £10-15m) will usually involve a consortium of lenders or specialist debt funds rather than a single high-street lender.
Does the age of the warehouse building affect my mortgage options?
Age can be a factor, particularly for older industrial buildings with asbestos, structural issues, or obsolete specifications. A pre-purchase building survey is essential and lenders will review the surveyor's report carefully. Modern, well-specified units built in the last 15-20 years are generally the easiest to finance.
Can I get a commercial mortgage for a self-storage facility?
Yes, though self-storage is treated as a specialist operating business rather than a standard warehouse investment. Lenders will typically underwrite on a trading basis, looking at occupancy rates, revenue, and EBITDA alongside the property value. Specialist leisure and hospitality lenders often have dedicated products for this sector.
What environmental checks are required for a warehouse mortgage?
Most lenders will require at minimum a Phase 1 Environmental Assessment (desktop study and site walk-over) for all industrial and warehouse properties. If historical use suggests potential contamination — former fuel storage, chemical processing, or heavy manufacturing — a Phase 2 intrusive investigation may be required before the lender will proceed. Remediation costs can significantly affect property value.

Related property types

Industrial Unit Office Garage & Forecourt

Guides and resources

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

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