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Commercial Mortgages in Exeter

Compare owner-occupied and investment commercial mortgage rates from 200+ UK lenders serving Exeter and South West England businesses. Matched in 2 minutes, no credit check.

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

Rates

From 4.5% p.a.

Owner-occupied or investment

Amounts

£100k - £10M+

Speed

6-12 weeks

Exeter

10k

businesses

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Commercial Mortgages explained

A commercial mortgage is a long-term loan secured against commercial property — offices, shops, warehouses, pubs, hotels, industrial units, or mixed-use buildings. Terms are typically 5-25 years with rates from 4.5% per annum.

How commercial mortgages works

You apply with details of the property, your business, and the purpose (purchase, refinance, or development). The lender values the property, assesses your business, and if approved, releases funds through your solicitor. The process typically takes 6-12 weeks from application to completion.

Commercial Mortgages options in Exeter

Owner-Occupied

Your business operates from the property. Up to 80% LTV. Rates from 4.5%. Business income supports the mortgage.

Commercial Investment

Buying to let to tenants. Up to 75% LTV. Rates from 5.0%. Rental income must cover 125%+ of mortgage payments.

Refinance

Replace an existing mortgage with a better rate or release equity. Up to 70% LTV. Rates from 4.5%.

Representative example

Borrow £500,000 at 5.5% over 20 years. Monthly repayment: ~£3,440. Total repayable: ~£825,600. Your rate depends on your circumstances.

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Common uses for commercial mortgages in Exeter

Commercial Mortgages for Exeter businesses

Exeter punches well above its weight economically for a city of its size, functioning as the administrative, commercial, and cultural capital of the South West beyond Bristol, with a strong professional and public services base centred on the county council, NHS, and University of Exeter. The city has a growing reputation for environmental and climate science research through the Met Office headquarters and associated university research centres, making Exeter an emerging hub for clean technology and environmental consultancy. Exeter's quality of life, cathedral city heritage, and strong connectivity via the M5 and mainline rail make it consistently one of the UK's most desirable locations for professional and knowledge-economy businesses. With 10k registered businesses across South West England, Exeter has strong demand for competitive commercial mortgages.

Our panel of 200+ UK lenders includes providers serving the South West England area. Whether your Exeter business needs offices and serviced offices or retail shops and high street premises, we compare rates across the full market in 2 minutes.

Public Sector & EducationFinancial & Professional ServicesTourism & CultureEnvironmental & Climate Science

Commercial Mortgages with bad credit in Exeter

Several specialist lenders on our panel work with Exeter businesses that have imperfect credit histories. Our eligibility check uses a soft search only — no impact on your credit score. Check your options in 2 minutes.

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Commercial Mortgages in Exeter: frequently asked questions

Can I get a commercial mortgage in Exeter?
Yes. Exeter commercial properties are well-served by our lender panel. Urban commercial property in South West England typically qualifies for competitive rates due to strong demand and comparable evidence.
What are commercial mortgage rates in Exeter?
Commercial mortgage rates start from around 4.5% per annum for owner-occupied properties. Investment rates typically start from 5.0%. Your rate depends on the LTV, property type, and business strength — not your Exeter location specifically.
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 at 70-75% LTV.
Can I get a commercial mortgage for a Exeter pub?
Yes, though specialist lenders are needed for licensed premises. You will need trading accounts, a premises licence, and potentially a business plan. Pubs in Exeter with strong trading history typically qualify for 60-65% LTV.
How long does a commercial mortgage take?
A straightforward commercial mortgage typically takes 6-12 weeks from application to completion. Complex cases involving specialist properties or large portfolios may take 3-6 months. Having your documents ready speeds up the process significantly.
Can I get a commercial mortgage with bad credit?
Some specialist lenders consider applicants with imperfect credit, though you will likely face higher rates and lower LTV ratios. A strong property and business case can offset credit concerns. Our eligibility check does not affect your credit score.
Should I buy or lease commercial property in Exeter?
Buying gives you an appreciating asset and fixed costs. Leasing gives you flexibility and lower upfront costs. In Exeter, where average commercial rents are competitive, the decision often comes down to your long-term plans and available deposit.
What types of Exeter property can I get a commercial mortgage on?
Most commercial property types — offices, shops, warehouses, industrial units, pubs, restaurants, hotels, mixed-use, and development land. Some specialist properties (care homes, petrol stations) need specialist lenders, which our panel includes.

Learn more about commercial mortgages

Office Commercial Mortgages What Is a Commercial Mortgage? Commercial Mortgage vs Bridging Best Commercial Mortgage Lenders

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