Commercial Mortgages London
London property values and lender attitudes vary sharply from one postcode to the next, so the right lender matters as much as the rate. BestQuote Commercial Finance arranges commercial mortgages for London owner-occupiers and investors, from a single shop with a flat above to larger multi-let buildings.
What is Commercial Mortgages?
London covers everything from established Central London office districts to outer boroughs with very different property markets, and the Elizabeth line has changed access to many parts of the city. A commercial mortgage is a long-term loan secured on non-residential property such as offices, shops, warehouses or mixed-use buildings.
Typical London cases include shops with residential flats above, light industrial and trade units in outer boroughs, secondary offices, and pubs, restaurants and other trading premises. Since 2020 many shops, offices and restaurants in England fall within a single commercial use class, Class E, which gives flexibility on use, but lenders still look at the actual use, the lease terms and the planning position. Some lenders set minimum property values or prefer particular areas, and leasehold property raises extra questions about the length of the lease and service charges, so we check these points before approaching a lender.
Commercial Mortgages in London — Common Uses
- ✓Purchasing office, retail, or industrial premises in London
- ✓Investing in commercial property as part of a London-based property portfolio
- ✓Refinancing an existing commercial property to release equity or secure a better rate
- ✓Purchasing a mixed-use building with commercial and residential elements
- ✓Buying a hotel, pub, restaurant, care home, or specialist commercial asset
- ✓Owner-occupiers purchasing the premises from which they trade
Key Terms
- ✓Loan amounts: £150,000 to £15 million
- ✓LTV: Up to 70% of property value
- ✓Terms: 5 to 25 years
- ✓Fixed and variable rate options available
- ✓Interest-only periods available on selected products
Why Choose BestQuote for Commercial Mortgages in London?
BestQuote Commercial Finance is a specialist broker with access to over 100 lenders across the UK, several of whom specialise specifically in London's more complex and varied property market.
- ✓Whole of market access — 100+ specialist lenders
- ✓We don't charge you a fee for our service
- ✓Response within 24 hours of your initial enquiry
- ✓Specialist in complex cases and unusual property types
- ✓FCA authorised and regulated
- ✓Experience placing cases relevant to the local commercial property market in London and the City, Canary Wharf, and outer boroughs across Greater London
Frequently Asked Questions
We arrange commercial mortgages across all property types in London including offices, retail units, industrial and warehousing, hotels, pubs, restaurants, care homes, petrol stations, and mixed-use buildings. In London this commonly means shops with flats above, secondary offices, light industrial and trade units in the outer boroughs, and pubs, restaurants and other trading premises.
Most commercial mortgage lenders require a deposit of 25–35% of the purchase price, meaning they will lend up to 65–75% LTV. The exact requirement depends on the property type, your financial profile, and the lender.
Yes — the majority of commercial mortgages are arranged in the name of a limited company. We work with lenders who are comfortable lending to SPVs, trading companies, LLPs, and individual investors.
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Ready to discuss your commercial mortgages requirements in London? Contact BestQuote Commercial Finance today for free, no-obligation advice from our specialist team. We respond to all enquiries within 24 hours.
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