Commercial Mortgages
Buying a shop, office or mixed-use building? Lenders who assess the property’s income, not just yours.
Why commercial?
Commercial mortgages are designed for purchasing or refinancing business premises, investment properties, and mixed-use buildings. They work differently from residential mortgages, with different deposit requirements, interest rates, and assessment criteria that focus on the business or rental income the property will generate.
Whether you are buying a shop, office, warehouse, pub, or mixed-use property with a flat above, commercial lenders assess the viability of the business or the rental yield alongside your personal financial position. Terms, rates, and structures vary widely between lenders. Try our [borrowing calculator](/calculators/borrow-amount) for an initial estimate of what you could raise.
At Clearview Mortgage Solutions, we work with a wide panel of commercial lenders, from high-street banks to specialist providers. Our advisers understand the commercial property market and can structure finance packages that fit your business plan and investment goals.
Key facts
90+
UK lenders compared
FCA
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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
Everything you need to know about financing commercial property, from eligibility and deposit requirements to rates and terms.
ReadMixed-use property mortgages
How mortgages work for properties that combine commercial and residential use, and what lenders require.
ReadSemi-commercial mortgages explained
What semi-commercial means, how lenders classify these properties, and how to get the best deal.
Read
Frequently asked.
Most commercial lenders require a deposit of 25–40% of the property value, giving a loan-to-value ratio of 60–75%. The exact amount depends on the property type, the income it generates, and your business track record. Specialist sectors such as pubs and hotels may require higher deposits.
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.