Commercial Mortgages
Buying a shop, office or mixed-use building? We find lenders who weigh up what the property earns alongside your own finances.
Why commercial?
A commercial mortgage helps you buy or refinance business premises, an investment property, or a mixed-use building. It behaves differently from a residential mortgage. The deposit is larger, the rate is higher, and the lender weighs up the income the property or business will produce rather than looking only at your salary.
Say you are buying a shop, an office, a warehouse, a pub, or a mixed-use property with a flat above. A commercial lender looks at whether the business stacks up, or what rent the property can earn, and sets that against your own finances. Terms and structures differ a lot from one lender to the next. For a rough idea of what you could raise, try our [borrowing calculator](/calculators/borrow-amount).
At Clearview Mortgage Solutions we deal with a broad panel of commercial lenders, from high-street banks through to specialist providers. Our advisers know the commercial property market and can shape the finance around your business plan and what you want the investment to do.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our commercial calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Commercial mortgages
The complete guide to commercial mortgages: deposits, rates & criteria
A plain walk through financing commercial property, covering eligibility, the deposit you will need, and how rates and terms are set.
ReadMixed-use property mortgages
How a mortgage works when a property combines commercial and residential use, and what a lender will ask for.
ReadSemi-commercial mortgages explained
What semi-commercial actually means, how lenders classify these properties, and how to land the right deal.
Read
Frequently asked.
Most commercial lenders want a deposit of 25–40% of the property value, which puts the loan-to-value ratio at 60–75%. What you need depends on the property type, the income it earns, and your business track record. Specialist sectors such as pubs and hotels tend to ask for more.
Talk to a specialist.
commercial mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.