Lendus.

Commercial Mortgages in York

Compare owner-occupied and investment commercial mortgage rates from 200+ UK lenders serving York and Yorkshire 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

York

12k

businesses

Compare commercial mortgages rates in York — 2 minutes, no credit check

Check Eligibility

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 York

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.

Ready to compare commercial mortgages in York?

Check Eligibility

Common uses for commercial mortgages in York

Commercial Mortgages for York businesses

York is one of the UK's most visited historic cities, with a tourism economy worth over £750 million annually driven by its Viking and Roman heritage, medieval architecture, and world-renowned attractions including the National Railway Museum. The city has a disproportionately strong financial services and insurance sector for its size, with Aviva and Hiscox among major employers, while a growing digital and technology scene is developing around the York Science Park and the University of York's innovation partnerships. York's food and confectionery heritage — historically home to Rowntree's (now Nestlé) and Terry's — continues through a network of artisan food producers and a prominent food tourism economy. With 12k registered businesses across Yorkshire, York has strong demand for competitive commercial mortgages.

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

Tourism & HeritageFinancial ServicesDigital & TechnologyFood & Confectionery

Commercial Mortgages with bad credit in York

Several specialist lenders on our panel work with York 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.

Compare rates from 200+ lenders serving York

Check Eligibility

Commercial Mortgages in York: frequently asked questions

Can I get a commercial mortgage in York?
Yes. York commercial properties are well-served by our lender panel. Urban commercial property in Yorkshire typically qualifies for competitive rates due to strong demand and comparable evidence.
What are commercial mortgage rates in York?
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 York 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 York 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 York 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 York?
Buying gives you an appreciating asset and fixed costs. Leasing gives you flexibility and lower upfront costs. In York, where average commercial rents are competitive, the decision often comes down to your long-term plans and available deposit.
What types of York 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

Other finance in York

Asset Finance Business Loans Bridging Loans Invoice Finance Development Finance

Find the best commercial mortgages in York

Compare 200+ lenders in 2 minutes. No credit check.

Check Eligibility
Check Eligibility — 2 min, no credit check