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120+ specialist lenders, every one with different criteria. We match you to the right one first — so you're not wasting time on the wrong application.
We work with lenders who actually understand how your accounts work — not just the bottom line your accountant designed for HMRC.
We'll find options that work with what you've got — including lenders who accept additional security to reduce what you need upfront.
Every declined application hits your credit file. We match you to the right lender before you apply — so your first application is the right one.
A commercial mortgage is a loan secured against property used for business purposes — offices, shops, warehouses, factories, mixed-use buildings, or HMOs over a certain size. It works like a residential mortgage in broad strokes, but the rules that shape each deal are very different:
There are 120+ active commercial mortgage lenders in the UK with 400+ products between them, and criteria change monthly. That's why the right broker matters more here than in residential lending — a mismatch between borrower and lender wastes months and can damage your credit file before you even get to the valuation stage.
60-second enquiry form. Property type, deposit, purpose, rough income picture. Or just call — we'll take it from there.
From 120+ on our panel, narrowed to the two or three most likely to say yes for your specific situation.
Written agreement in principle from the lender — only a soft credit search, so your credit file isn't touched.
We manage the paperwork, valuer, and solicitor dialogue. You deal with one team from first call to keys in hand.
Buying your first commercial property — or buying the freehold of premises you already occupy? The rules are different to a residential mortgage, and the lender market is ten times more fragmented. We'll explain what you're actually looking at (deposit, income calculation, rate range) and match you to the right lender on the first application.
Start your enquiryA declined application doesn't mean you can't get a commercial mortgage — it usually means you applied to the wrong lender. Criteria vary enormously across the 120+ active UK lenders: what's a no at one is a yes at three others. We match your profile to lender criteria before you formally apply, so your next application is the right one.
Start your enquiryA specialist broker like Norwest Insurance is the quickest route to the right commercial mortgage in the UK. With 120+ lenders on our panel and over 50 years of experience, we match your profile to the right lender before any hard credit check — so your first application is the right one. Call 0161 225 9200 or send a 60-second enquiry and we'll come back with a clear picture of what's possible.
Typically 25–30%, though some property types (specialist retail, HMOs, certain industrial) can require 30–40%. A few specialist lenders accept additional security (another property, cash collateral) to reduce the deposit you need upfront.
Yes — most commercial borrowers are self-employed. The difference is in how lenders assess income: most average 2–3 years of accounts, and some accept SA302 tax returns or accountant's certificates. We work with lenders who understand how small-business accounts work.
From enquiry to completion, typical timelines are 6–12 weeks. Agreement in principle (AIP) usually comes within days. The bulk of the time is valuation, legal work, and lender underwriting.
There's no single market rate. Commercial mortgage rates depend on property type, lease structure, LTV, borrower profile, and whether it's interest-only or repayment. Rates typically run from around base rate + 2.5% upwards, but specialist deals vary widely.
Yes. Mixed-use properties (shop with flat above, HMO with commercial unit) have their own specialist lender market. The exact split (commercial vs residential by floor area or income) affects which lenders will consider the property.
A formal application includes a hard credit search which does leave a footprint. We obtain AIPs (agreements in principle) with only a soft search, so your credit file isn't touched until you instruct us to proceed with a specific lender.
Fast short-term finance. Terms in hours, funds in days — when a deal won't wait.
Learn moreFacilities from £1m upwards — SPVs, trust structures, multi-site portfolios.
Learn moreHMOs, holiday lets, portfolio landlords — lenders for the properties others reject.
Learn moreWritten AIP before you bid. Completion inside your 28-day deadline.
Learn moreUnlock equity in your commercial property — without remortgaging, without the runaround.
Learn moreSupported living, care provision, community housing — lenders who know your lease structure.
Learn moreTell us about your deal in 60 seconds. We'll come back with a clear picture of what's possible — no obligation, no hard credit check.