Commercial mortgages are designed to support businesses in purchasing or remortgaging a commercially owned property whether that is as an owner-occupied property or an investment property. Commercial mortgage brokers help businesses to find the right mortgage from hundreds of lenders and thousands of mortgages and get the most competitive deal that meets their needs. Below we have explored some of the leading commercial mortgage brokers and what they offer.
Companies are ranked in no particular order.
| Company | Year founded | HQ location |
|---|---|---|
| Swoop | 2018 | London |
| John Charcol | 1974 | London |
| Mortgages for Business | 1997 | Kings Hill, Kent |
| AS Financial | 2009 | London |
| Clifton Private Finance | 2016 | Bristol |
| Private Finance | 1999 | London |
| Funding Focus | Not stated | Barleythorpe, Leicestershire |
| Ascot Mortgages | 2008 | Warrington, Cheshire |
| Fox Davidson | 2013 | Bristol |
| Watts Commercial Finance | 1985 | Nantwich, Cheshire |
| Newable | 1982 | London |
| The Mortgage Centres | 1997 | Needham Market, Suffolk |
| KIS Finance | 2008 | Talbot Green, Wales |
| Revolution Finance Brokers | 2018 | Brentwood, Essex |
| Pure Property Finance | 2013 | Cardiff |
| ABC Finance | 2000 | Cannock, Staffordshire |
| FC Funding | 2014 | Colehill, Dorset |
1. Swoop
- Offers commercial mortgages and property finance
- Owner-occupier or commercial investment mortgages
- Assistance in presenting deals to lenders and reducing risk
- An expert team will assess whether you qualify and match you with the right lender
- Provides a commercial mortgage calculator to understand repayments and interest
- Mortgages with deposit levels between 20-40% on terms of up to 30 years
- Interest rates are typically between 2.5-6%
- Choice of fixed and variable rates
- Highly rated on Trustpilot
- Register your interest on their website
Website: Swoop Commercial Mortgages
2. John Charcol
- Available for owner-occupiers and commercial investors
- Can be used for commercial or residential properties if being let
- Suitable for a wide range of property types including flats and hotels/guest houses
- Provides commercial mortgage experts to support you
- Assesses your needs and eligibility to find the best mortgage
- Guides you through the mortgage process
- Deposit of 25-40%
- Average rates from 2%
- Highly rated on customer reviews on Reviews.co.uk
- Contact them on 0808 159 7250 or enquire online
Website: John Charcol Commercial Mortgages
3. Mortgages for Business
- Provides a wide range of property finance products as well as commercial mortgages
- Offers buy to let, bridging finance and development finance
- Suitable for investors and business owner-occupiers
- Expert brokers to help you find the best deal for your circumstances
- Has a mortgage calculator to help indicate monthly repayments
- Loans from £200,000 and up to 75% LTV
- Offers good commission and no up-front fees
- Has strong relationships with specialist lenders to negotiate good rates
- Rated highly on Trustpilot
- Contact them on 0345 345 6788, enquire online or chat online
Website: Mortgages for Business Commercial Mortgages
4. AS Financial
- Provides mortgages for limited companies and buy to lets
- Searches the whole of the mortgage marketplace for you
- Trained professional mortgage advisers
- Independent advice
- Will support you through the whole mortgage process
- Finds deals based on price and suitability
- Supports purchase and remortgaging
- Offers a free, no strings mortgage consultation
- Highly rated on Vouchedfor Financial Advisers, Solicitors, Accountants
- Contact them on 0203 993 3411 or complete an enquiry form
Website: AS Financial Commercial Mortgages
5. Clifton Private Finance
- Offers a range of property finance
- Suitable for commercial purchases and refinancing
- Available to individuals, limited companies, SPVs and offshore structures
- Seeks out competitive rates for you for a range of property types
- Borrow from £250,000 to £100 million
- Rates from 2.75% per annum
- Loans for up to 75% of the loan to value
- Terms from 3 months to 30 years
- Reviews are highly rated on Reviews.co.uk
- Contact them on 0117 959 5094
Website: Clifton Private Finance Commercial Mortgages
6. Private Finance
- Offers a range of commercial mortgages
- Includes buy to let mortgages, bridging loans and development finance
- Seeks out the best rates and terms
- Accesses lenders you can’t direct
- Can negotiate on your behalf to get the best deal
- Work quickly to find a mortgage for you
- Will support you throughout the mortgage process
- Provides a mortgage calculator
- Rated highly on Trustpilot reviews
- Contact them on 0800 980 8777 or request a call back
Website: Private Finance Commercial Mortgages
7. Funding Focus
- Bespoke commercial mortgage solutions
- Suitable for business mortgages and commercial investment mortgages
- Available for a variety of commercial properties
- Expert commercial mortgage brokers
- Typically lend between £300,000 and £500 million
- Can get up to 100% of the purchase price in some cases but typically up to 80%
- Will approach a variety of lenders for you to seek the best deal
- Negotiate with lenders
- Contact them on 01223 655749 or submit an enquiry
- Also offers bridging loans and development finance
Website: Funding Focus Commercial Mortgage
8. Ascot Mortgages
- Offers a range of commercial mortgages
- Suitable for a range of commercial and semi-commercial properties
- Specialises in hospitality mortgages
- Mortgages suitable for purchases, refinancing and restructuring
- Experienced commercial mortgage broker
- Support you in navigating commercial mortgage complexities
- Search the marketplace to get the best deal for you
- Help you to access all the best lenders
- Contact them on 01925 744558 or enquire online
- Also offers bridging finance, equity release and insurance
Website: Ascot Mortgages Commercial Mortgages
9. Fox Davidson
- Offers commercial property finance including commercial mortgages
- Also offers buy to let mortgages and commercial finance for business premises
- Search a panel of lenders including private banks, high street banks, building societies and private equity firms
- Seeks out the best mortgages from the whole market
- Knows which lenders to approach
- Expert commercial finance brokers
- Loans from £300,000
- Tailored financial solutions
- Positively rated on Trustpilot reviews
- Contact them by completing an online enquiry
Website: Fox Davidson Commercial Mortgages
10. Watts Commercial Finance
- Offers a variety of commercial property finance as well as commercial mortgages
- Includes bridging finance and property development
- Suitable for any property type including HMOs, hotels, land and semi-commercial
- Creates a tailored mortgage solution
- Provides an extensive panel of lenders
- Operates a system encouraging lenders to competitively tender for mortgages
- Funding up to 80% or 100% if extra security is provided
- Choice of terms and fixed or variable rates
- Contact them on 03303 110777
- Also offers invoice finance, asset finance, acquisition funding and unsecured loans
Website: Watts Commercial Finance Commercial Mortgage
11. Newable
- Offers a range of commercial property finance products
- Suitable for purchases or releasing capital
- Available for a variety of property types including shared space, student accommodation and HMOs
- Loans of £50,000 to £20 million
- Offers up to 75% LTV
- Rates from 2.29% per annum
- Terms up to 25 years
- Search over 150 lenders to find the best deal
- Rated highly on Trustpilot
- You can apply online or call them on 0208 142 8680
Website: Newable Commercial Mortgages
12. The Mortgage Centres
- Offers owner-occupier and commercial investment mortgages
- Suitable for commercial, semi-commercial and land
- Available for purchase and remortgage
- Search the whole market for the best deal
- Borrow up to 75% of the property value
- Terms of 5 to 25 years
- A range of fees will apply such as valuation, arrangement and legal fees
- Brokerage fees of 1% will normally apply
- Highly rated on Trustpilot
- Contact them by calling them on 0330 094 5876 or request a call back
Website: The Mortgage Centres Commercial Mortgages
13. KIS Finance
- Offers extensive mortgages throughout the UK
- Also offers bridging loans and development finance
- Suitable for owner-occupied, residential and commercial investment
- Available for semi-commercial, buy to let, HMOs, land and hospitality properties
- Borrow from £100,000 to £250 million
- Terms from 1 to 30 years
- Interest-only mortgages and capital repayment holidays are available
- Assists those with poor credit history
- Highly rated in customer reviews on Reviews.co.uk
- Contact them on 0800 644 6555 to discuss your needs
Website: KIS Finance Commercial Mortgages
14. Revolution Finance Brokers
- Offers a range of property finance
- Search the whole market for you
- Finds the right match for your needs
- Provides quick responses
- Negotiates with lenders on your behalf
- Achieves the most competitive deals
- Tailored mortgage products
- Will manage the complete application process
- Highly rated on Reviews.co.uk reviews
- Enquire online
Website: Revolution Finance Brokers Commercial Mortgage
15. Pure Property Finance
- Offers tailored commercial mortgages
- Removes the complexity and time-consuming process of finding a mortgage
- Available for owner-occupiers, investment mortgages, portfolio mortgages and bad credit
- Loans up to 75% of the loan to value
- Term up to 30 years
- Choice of fixed rates
- Interest-only options available
- Experience team will search the market for the best deal
- Can offer no lender fees and reduced legal fees on some deals
- Call them on 02920 766 565
Website: Pure Property Finance Commercial Mortgages
16. ABC Finance
- Offers commercial owner-occupier and investment mortgages
- Also offers bridging loans, development finance, HMO mortgages and buy to let mortgages
- Available to individuals, partnerships, LLPs, limited companies, offshore companies, foreign nationals and pension funds
- Loans from £25,000 with a maximum LTV of 80%
- Interest rates from 2.25%
- Terms from 5 to 30 years
- Choice of fixed and variable rates
- Offers capital repayment, interest-only, part and part
- Highly rated on Trustpilot and Reviews.co.uk
- Enquire online or call them on 01922 620008
Website: ABC Finance Commercial Mortgages
Read ABC Finance Commercial Mortgage User Reviews
17. FC Funding
- Offers a variety of commercial mortgages
- Provides tailor-made mortgage packages
- Free no-obligation quote
- Commercial funding specialists will assist you
- Strong bonds with commercial funders
- Secure the best deal the market has to offer
- Supports businesses that want to start, expand, refinance and develop
- Suitable for a variety of businesses including hospitality and accommodation
- Also offers investment mortgages, buy to let mortgages, bridging loans and other loans
- Contact them on 01202 937880
Website: FC Funding Commercial Mortgages
FAQ
What is a commercial mortgage broker?
A commercial mortgage broker is similar to a residential mortgage broker but they specialise in supporting businesses in finding a mortgage.
The term commercial mortgage is a broad term that covers corporations, limited companies, partnerships and sole traders, so basically it includes any type of business that wants to take out a mortgage product on a property.
The commercial mortgage broker has access to a broad panel or network of mortgage lenders and they will work with you to understand your business and your circumstances to find the best match for your needs that is the most competitive offer.
Why should you use a commercial mortgage broker?
There are a large number of lenders in the market that provide commercial mortgages with a variety of offerings which can take time to search for the right deal.
Many providers only offer their commercial mortgages through a broker or intermediary which means that borrowers don’t get access to these mortgages unless they use a broker and may miss out on competitive deals.
A commercial mortgage broker will assess your eligibility and search the market for the most appropriate and competitively priced deals for your circumstances which can save your business time and money.
They will negotiate on your behalf and present your loan application in the best possible light to reduce risk and attract the best possible terms.
If you have more than one property they can also look at your properties as a portfolio package rather than single properties to access better deals and achieve greater savings overall.
How much do commercial mortgage brokers charge?
Some lenders will pay the broker a commission and in these cases, there may not be any fees applied to the mortgage.
In other cases, a fee will be charged which varies depending on the broker, but this can typically be around 1% of the loan amount, in return they will present your application to the lender to get you the best mortgage rates and terms.
Other mortgage fees may also apply including arrangement fees, valuation fees and legal fees.