- Our Services
Commercial Mortgage Adviser UK. Free Quote for Small Business.
Whether you’re buying business premises, investing in commercial property, or refinancing, we match you with specialist advisers who find the right lender for your situation. One short form. No obligation.
- Why UK Mortgage Finder
Honest Advice. Whole-of-Market Access.
UK Mortgage Finder was built on a simple belief: finding the right commercial mortgage shouldn’t require you to knock on a dozen doors. We connect small business owners, property investors, and company directors with specialist advisers who understand commercial lending, not just residential.
Every adviser on our panel is whole-of-market and focused on getting you the best deal, not the easiest one to arrange. Whether you’re buying your first business premises or refinancing a commercial portfolio, we handle the match so you can focus on your business.
Commercial lending has more moving parts than residential. Start with how much you need up front, our guide on the deposit needed for a commercial mortgage breaks down typical loan-to-value by property type. If you are financing a brand-new venture, see our advice on securing a commercial mortgage for a new business or startup.
- What We Can Help With
Commercial Mortgages for Small Business Owners
Covering every type of commercial property. Our advisers match you to the right lender for your situation.
Owner-Occupier Mortgage
Buying the premises your business operates from? We find lenders who offer competitive rates for businesses purchasing their own commercial property.
Semi-Commercial Mortgage
Shop below, flat above? Mixed-use properties need specialist lenders. We match you with advisers who deal in semi-commercial finance daily.
Commercial Investment Mortgage
Purchasing commercial property to let to tenants? We compare rates across the full market to maximise your rental yield.
Self-Employed & Director
Complex income structure? Our advisers know which lenders assess self-employed and director applications fairly, and get results.
Bad Credit Commercial
A difficult credit history doesn't have to mean a dead end. Specialist lenders assess your case on its merits. We know who to approach.
Refinance & Restructure
On a high rate from a previous deal? We search the market to find you a better commercial mortgage and manage the switch.
- Our Process
Here's how it works. Simple, fast, and stress-free.
A streamlined journey designed around you, with expert support every step of the way.
Not sure which is right for you?
Speak to a friendly UK adviser. Completely free, with no obligation.
- FAQ
Frequently asked questions
Is the quote service really free?
Yes — comparing quotes through UK Mortgage Finder is completely free. We’re paid by the lender if you choose to proceed, at no extra cost to you.
Are your advisers regulated by the FCA?
Yes. All advisers on our panel are authorised and regulated by the Financial Conduct Authority and follow strict UK consumer protection rules.
How much deposit do I need for a commercial mortgage?
Most lenders require a minimum deposit of 25% of the property value — lending up to 75% LTV. This varies by lender, property type, and your business circumstances. Your adviser will give you a realistic figure based on your situation.
Will getting a quote affect my credit score?
No. Getting a quote does not involve a credit check and will not impact your credit file. A check is only carried out if you choose to proceed with a specific application.
Can I get a commercial mortgage if I'm self-employed or a company director?
Yes. Many lenders actively cater for limited companies, sole traders, and LLPs. Your adviser will identify lenders whose criteria match your business structure and income type.
Can I get a commercial mortgage with bad credit?
Yes — we work with specialist lenders who consider adverse credit, CCJs, defaults, and discharged bankruptcies. Speak to an adviser to explore your options honestly.
What documents will I need?
Typically: proof of ID, last 2–3 years business accounts or SA302s, 3 months business bank statements, and details of the property. Your adviser will give you a personalised checklist.
How long does the process take?
Commercial mortgages typically take 6 to 12 weeks from application to completion. Complex cases can take longer — your adviser will give you a realistic timeline at the outset.