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Assetz Capital Commercial Mortgage Reviews


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

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  • Assetz Capital Commercial Mortgage User Reviews
    • Review Summary
    • Recent Reviews
    • Submit a Review
  • Assetz Capital Commercial Mortgage Options
    • Commercial mortgages
    • Buy to let for landlords
    • Development finance
    • Residential refurbishment
    • Bridging finance
  • Assetz Capital Commercial Mortgage Eligibility
  • Assetz Capital Commercial Mortgage Rates
  • Assetz Capital Commercial Mortgage Calculator
  • Assetz Capital Commercial Mortgage Reviews
  • How To Apply For A Assetz Capital Commercial Mortgage?
  • Pros
  • Cons

Assetz Capital Commercial Mortgage User Reviews

Review Summary

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Assetz Capital is a peer-to-peer business lender that is Manchester based providing business finance products across the UK. They aim to provide investment opportunities that provide a high return on their money whilst offering a range of competitive lending products. So far they have lent over £1.4 billion to businesses through commercial mortgages, bridging finance, property development finance and secured SME loans.

Assetz Capital Commercial Mortgage Options

Assetz Capital offers a range of commercial property finance products that are designed to assist investors, businesses owners, developers and builders. These products include:

Commercial mortgages

Much like residential mortgages, commercial mortgages help businesses buy property.

  • Available for a range of properties, including offices, industrial and mixed-use
  • Commitment up to 5 years
  • Mortgage length up to 25 years
  • Fixed rates from 5.5% per annum
  • £250k – £10 million preferred debt
  • Maximum LTV of 75%
  • Interest-only periods available
  • Available on a 1st or 2nd charge basis

Buy to let for landlords

Assetz Capital offers buy to let mortgages for professional landlords which includes a variety of property types such as new builds, student properties, HMOs and flats above commercial properties. Each loan is structured and priced on its merit.

  • Terms up to 5 years
  • Mortgage length up to 25 years
  • Repayment or interest-only options
  • Preferred debt of £100k – £3 million
  • Rates from 5.5% per annum
  • Maximum LTV of 75%
  • Facilitation fee of 3% or a minimum of £2,000
  • Available as a 1st or 2nd charge
  • Rental coverage of 125%
  • Redemption charges between 1-3%

Development finance

Development finance is designed for the construction, conversion or refurbishment of commercial buildings. This is a short-term loan that will fund the work and repayment usually takes place when the building is sold.

  • Commitment up to 3 years
  • From 6.9% per annum
  • £500k – £10 million preferred debt
  • Maximum loan size of £20 million
  • Maximum LTGDV of 72.5%
  • 1% exit fee applies

Residential refurbishment

Residential refurbishment is designed as a single property solution and can be tailored to your individual needs.

  • Terms up to 2 years
  • Preferred debt £250k – £5 million
  • Maximum LTV and LTGDV of 70%
  • Rates from 7.8% per annum

Bridging finance

Bridging finance ‘bridges the gap’ between securing funds for a property. Assetz Capital provide bridging loans for a range of businesses and they structure and price each loan on its merit.

  • Up to 2 years
  • 2% arrangement fee
  • From 0.65% per month
  • £150k – £5 million preferred debt
  • Maximum LTV of up to 75%
  • Choice of repayment of either interest retained or serviced

Assetz Capital Commercial Mortgage Eligibility

There is no eligibility criteria available for Assetz Capital’s commercial property finance products.

Assetz Capital Commercial Mortgage Rates

The rates for Assetz Capital’s commercial property finance products are:

  • Commercial mortgages – from 5.5% per annum
  • Buy to let mortgages – from 5.5% per annum and a 3% or £2,000 minimum facilitation fee
  • Development finance – from 6.9% per annum
  • Residential refurbishment – from 7.8% per annum
  • Bridging finance – from 0.65% per month

Assetz Capital Commercial Mortgage Calculator

Assetz Capital doesn’t offer any commercial property finance product calculators.

Assetz Capital Commercial Mortgage Reviews

There is a fairly large number of reviews for Assetz Capital across 3 reviews sites with most being on Trustpilot. However, the majority of the reviews are provided by investors rather than those borrowing money, therefore their experience is likely to be very different.

Overall, the reviews across all review sites tend to be positive. Some of the comments from reviewers include good customer service from helpful and knowledgeable staff, and how easy it is for investors to get a return.

Trustpilot – 4.3/5 (based on 1,199 reviews)
Google Reviews – 3.5/5 (based on 15 reviews)
Reviews.co.uk – no reviews
Review Centre – no reviews
Smart Money People – 4.58/5 (based on 77 reviews)

How To Apply For A Assetz Capital Commercial Mortgage?

If you want to apply for one of Assetz Capital’s commercial property finance products you can call them on 0800 470 0430, you can search for a local Relationship Director on their website or complete an online enquiry form.

Pros

  • Offers a variety of commercial property finance products
  • Products that are tailored and priced to meet your needs
  • Positively rated on review sites

Cons

  • Reviews are largely from investors rather than borrowers

Website: Assetz Capital Commercial Property Finance

Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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