Commercial mortgage guides

If you're researching commercial property finance, this section brings together our in-depth guides on how commercial mortgages work, how lenders assess deals, and which finance routes may suit different property types and business plans.

Whether you're buying business premises, refinancing an investment property, comparing bridging against term lending, or exploring a specialist sector such as hotels, pubs, farms, or care homes, these guides are designed to help you understand the options.

Start with the essentials

Commercial Mortgage Guide

Our complete guide to commercial mortgages in the UK—what they are, how they differ from residential lending, deposits and LTV, rates, fees, lender criteria, eligibility, the application process, and FAQs. Start here if you're new to commercial property finance.

Understanding Commercial Mortgage Rates: A Guide

Learn what affects commercial mortgage pricing, including property risk, borrower strength, and loan structure.

How much deposit do I need for a commercial mortgage?

Understand typical deposit expectations and what can influence LTV.

Compare finance options

Commercial Bridging Finance

When short-term bridging may be more suitable than a commercial mortgage.

Commercial vs Buy-to-Let Mortgages: Key Differences and How to Choose

A practical comparison for investors weighing up different finance routes.

Commercial mortgages vs residential mortgages

Understand the main structural and underwriting differences.

Semi-commercial mortgages (mixed-use property finance)

How finance works for mixed-use properties such as flats above shops and part-commercial buildings.

Common borrower questions

How to get a commercial mortgage with bad credit

How adverse credit can affect your options and what may strengthen an application.

How to get fast bridging loans for commercial property

What affects speed in short-term finance transactions.

Sector and property-specific guides

Flat Above Shop Mortgages: how lenders assess mixed-use properties

A guide to lender treatment of flats above commercial premises.

Buying a Home Near Commercial Premises: What You Need to Know

How nearby commercial use can affect residential mortgage options.

How to buy a pub with a mortgage

Finance considerations for pub purchases.

How to get a mortgage for a hotel purchase

A guide to hotel finance, including what lenders review.

How to get a bed and breakfast (B&B) mortgage

Understand the different lending routes for B&B properties.

Care home mortgages explained

How care home finance works and what lenders often focus on.

Farm mortgage

A guide to commercial farm mortgages and agricultural lending.

Buy to sell mortgages (commercial guide)

A guide to funding short-to-medium-term property projects with a sale-led exit.

Adviser and specialist content

Advanced guide to bridging finance for financial advisors (commercial)

A more technical guide aimed at advisers and experienced property professionals.

Related commercial pages

• Commercial mortgage FAQ
• Commercial mortgage case studies
• Commercial news

Need help narrowing it down?

A good place to start is:

Commercial mortgages are not regulated by the Financial Conduct Authority in the same way as most residential mortgages, although some mixed-use and residential elements can change how a case is treated. Eligibility, rates and terms vary by lender and property type.