Commercial mortgages remain a cornerstone of business growth and property investment across the UK.
In this guide, we review the 10 best commercial mortgages in the UK for 2026, comparing lenders, loan limits, terms, and lending criteria so you can find the most practical option for your business or investment plans.
Why You Should Trust Us
We based our research on verified data, expert analysis, and direct lender reviews. Our goal is to help you make confident, informed financial decisions backed by real evidence.
Here’s how we conducted our review:
- Evaluated 30 leading commercial mortgage brokers and banks across the UK.
- Compared loan terms, LTV ratios, interest rate structures, and product flexibility.
- Verified client feedback for transparency.
- Prioritized data from 2024-2025 reports.
Compare the Best Commercial Mortgages in the UK [2026]
Before we move onto detailed reviews of each broker, let’s compare the best commercial mortgages in the UK for 2026.
The table below shows key details such as loan limits, terms, income ratios, and whether each lender offers a commercial mortgage calculator.
| Broker / Lender | Max Loan Amount | Max Term | Max Loan-to-Income Ratio | Commercial Mortgage Calculator | Notable Features |
| KIS Finance | £1 billion | 30 years | 4.5x | Yes | Independent broker with full-market access and bespoke large-scale deals. |
| HSBC | £25 million | 30 years | 6.5x | Yes | Offers fixed and variable rate loans for SMEs and large corporates. |
| Santander Corporate | Negotiable (multi-million typical) | 25 years | 5x | Yes | Provides flexible commercial property finance for mid-market firms. |
| Atom Bank | £10 million | 25 years | 6x | Yes | Fully digital lender with fast approval and Growth Guarantee Scheme access. |
| Watts Commercial Finance | £50 million | 30 years | 5x | No | Whole-market brokerage with strong lender relationships and rapid structuring. |
| Danske Bank UK | £2 million (standard) | 30 years | 5x | No | Major Northern Ireland lender offering business and property finance. |
| Aldermore Bank | £25 million | 20 years | 5.5x | Yes | Specialist lender with manual underwriting and support for complex cases. |
| Nationwide Building Society | £5 million | 30 years | 4.5x (6x with scheme) | Yes | Mutual lender offering residential and commercial property loans. |
| Metro Bank | £5 million (up to £25m bespoke) | 30 years | 5x | Yes | Challenger bank providing high LTV business mortgages and in-person service. |
| Market Financial Solutions (MFS) | £65 million | 5 years | 4.5x | No | Specialist lender for bridging loans and large commercial investment mortgages. |
1. KIS Finance
KIS Finance is a leading commercial mortgages broker in the UK, known for its independent service, fast approvals, and market-wide access to lenders. The company provides bespoke financing solutions for commercial, investment, and development projects, supporting both small enterprises and large-scale ventures. Their flexibility and experience already make them one of the best brokers for commercial mortgages in 2026.
Max Loan Amount: £1 billion
Max Loan Term: 30 years
Max Loan to Income Ratio: 4.5x
Verdict: Flexible and reliable choice
2. HSBC
HSBC is a major British universal bank offering a wide range of commercial mortgage products for SMEs, mid-sized firms, and large corporations. The Commercial Banking division serves over two million clients, providing business loans, commercial property finance, and structured lending options across the UK. Its commercial mortgage rates vary between fixed and variable rate loans, depending on business profile and loan to value ratios.
Max Loan Amount: £25 million
Max Loan Term: 30 years
Max Loan to Income Ratio: 6.5x
Verdict: High-capacity lending option
3. Santander Corporate
Santander Corporate is a UK-based financial institution providing business mortgages and commercial property loans to SMEs and mid-market firms. The bank offers flexible repayment structures, including fixed rate and variable rate loans for owner occupied commercial mortgages and investment properties. Clients can apply for a commercial mortgage starting from £25,001 with repayment terms tailored to business cash flow and property value.
Max Loan Amount: Negotiable (multi-million typical)
Max Loan Term: 25 years
Max Loan to Income Ratio: 5x
Verdict: Relationship-focused lender
4. Atom Bank
Atom Bank is a digital challenger bank that offers fully online commercial mortgages for SMEs, focusing on speed, flexibility, and transparency. Through its broker platform, applicants can compare commercial mortgage rates, submit documentation, and receive decisions within one business day. The bank’s product range includes fixed rate loans, variable rates, and Growth Guarantee Scheme lending for eligible businesses.
Max Loan Amount: £10 million
Max Loan Term: 25 years
Max Loan to Income Ratio: 6x
Verdict: Fast digital lending solution
5. Watts Commercial Finance
Watts Commercial Finance is a UK-based brokerage specializing in commercial mortgages, business loans, and bridging finance for owner-occupied and investment properties. Established over 18 years ago, it partners with a wide range of commercial mortgage lenders to help clients secure suitable funding for commercial properties and business premises. The company facilitates flexible fixed rate loans and variable rate loans to suit cash flow and property value requirements.
Max Loan Amount: £50 million
Max Loan Term: 30 years
Max Loan to Income Ratio: 5x
Verdict: Broad-market brokerage expert
6. Danske Bank UK
Danske Bank UK is a universal lender with a major footprint in Northern Ireland, offering commercial mortgages, variable rate loans, and business property finance to SMEs. Its portfolio includes asset finance, business loans, and commercial investment mortgages with flexible repayment terms. Danske supports owner occupied commercial mortgages and investment transactions with typical loan to value ratios of 50–60%.
Max Loan Amount: £2 million (standard)
Max Loan Term: 30 years
Max Loan to Income Ratio: 5x
Verdict: Regional commercial lending specialist
7. Aldermore Bank
Aldermore Bank is a specialist commercial mortgage lender focused on small and medium-sized enterprises and property investors. The bank manually underwrites each application, offering tailored fixed rate and variable rate loans for semi commercial and investment properties. Borrowers can apply for a commercial mortgage with flexible criteria and repayment structures that align with their business income and existing loans.
Max Loan Amount: £25 million
Max Loan Term: 20 years
Max Loan to Income Ratio: 5.5x
Verdict: Flexible specialist lender
8. Nationwide Building Society
Nationwide Building Society is the UK’s largest mutual lender, offering residential and commercial mortgages, business loans, and property finance through its Nationwide for Business division. It serves around one in three UK households and provides commercial property loans up to 75% loan to value, often used for buy to let mortgages and owner occupied commercial mortgages. Its long-term lending options include both fixed rate and variable rate loans for businesses and property investors.
Max Loan Amount: £5 million
Max Loan Term: 30 years
Max Loan to Income Ratio: 4.5x (6x for qualified buyers)
Verdict: Stable mutual lender
9. Metro Bank
Metro Bank is a UK challenger bank offering commercial mortgages and business loans for SMEs, property investors, and limited companies. It provides owner occupied and semi commercial property finance with loan to value ratios up to 85%, and flexible repayment structures based on trading history and business performance. The bank’s commercial mortgage rates are available for both fixed rate loans and variable rate loans, supporting short- and long-term funding needs.
Max Loan Amount: £5 million (up to £25 million bespoke)
Max Loan Term: 30 years
Max Loan to Income Ratio: 5x
Verdict: Fast and flexible lender
10. Market Financial Solutions (MFS)
Market Financial Solutions (MFS) is a specialist commercial mortgage lender providing bridging loans and commercial investment mortgages to investors and business owners. It offers facilities from £100,000 to £65 million, typically up to 75% loan to value LTV, for commercial properties, rental properties, and mixed-use developments. Its products include fixed rate and variable rate loans with short to mid-term repayment schedules.
Max Loan Amount: £65 million
Max Loan Term: 5 years
Max Loan to Income Ratio: 4.5x
Verdict: Specialist large-loan provider
Conclusion
Securing the right commercial mortgage can define how efficiently a business grows or invests in property. Each lender offers unique strengths, from flexible terms to specialist support, but one stands out for its scale and reliability.
Key takeaways:
- KIS Finance provides the best commercial mortgages in the UK for 2026.
- Offers funding up to £1 billion with terms up to 30 years.
- Combines whole-of-market access with tailored business and investment solutions.
- Ideal for both established companies and investors seeking large-scale, flexible finance.
Frequently Asked Questions (FAQs)
1. What is a commercial mortgage and how does it work?
A commercial mortgage is a loan secured against commercial property such as offices, warehouses, or retail units. Businesses use it to purchase, refinance, or release equity from commercial properties. Repayments typically run over 5 to 30 years, with fixed rate or variable rate loans available depending on the lender and loan to value ratio.
2. How do commercial mortgage rates compare in the UK?
Commercial mortgage rates vary based on factors such as loan size, borrower risk, property type, and term length. Average commercial mortgage rates in 2026 range between 4% and 6%, with the best commercial mortgage rates available to established businesses offering strong financial statements and lower LTV ratios.
3. What documents do I need to apply for a commercial mortgage?
Lenders usually require recent business accounts, cash flow forecasts, bank statements, property details, and proof of ownership or purchase price. A full application process also includes valuation fees, legal fees, and arrangement fees to assess risk and confirm affordability.
4. How much deposit do I need for a commercial mortgage?
Most lenders require a deposit of 25% to 40% of the property’s value, depending on credit history and business performance. Some specialist commercial mortgage brokers can arrange higher loan to value LTV deals, especially for owner occupied commercial mortgages or limited company applicants with strong trading history.
5. Can I get a commercial mortgage as a new business?
Yes, new businesses can apply for a commercial mortgage, though lenders may request additional security or a personal guarantee. Approval often depends on the strength of the business plan, projected income, and collateral value. Working with a specialist commercial mortgage broker helps improve eligibility for start-ups.
6. What are the main costs involved in a commercial mortgage?
Beyond the loan itself, borrowers pay arrangement fees, valuation fees, legal fees, and sometimes early repayment charges. Interest rates and monthly repayments depend on whether the product is a fixed rate mortgage or a variable rate loan. Comparing total costs across lenders helps identify the right commercial mortgage.
7. Who offers the best commercial mortgages in the UK?
KIS Finance offers the best commercial mortgages in the UK. The company provides loans up to £1 billion, flexible repayment terms up to 30 years, and market-wide lender access, making it a preferred choice for both investors and business owners.
