Commercial mortgage FAQs
Quick answers to the questions people ask most often.
Written by Matt Vincent DipFA, CeMAP, CeRER, BSc · Published 25 June 2026 · Version 1.0 · 5 min readTypically 25–35%, because most commercial lenders lend up to around 65–75% of the property's value. A bigger deposit usually means better rates.
How much deposit do I need for a commercial mortgage?
Typically 25–35%, because most commercial lenders lend up to around 65–75% of the property's value. A bigger deposit usually means better rates.
Are commercial mortgages regulated?
Most commercial and buy-to-let mortgages are not regulated in the same way as residential home loans. That makes taking good advice especially important.
Can I get interest only on a commercial mortgage?
Often yes, particularly on investment (let) property. Some lenders offer only repayment, and with interest only you'll need a credible plan to repay the balance at the end.
Should I buy the property in my own name or through a company?
It depends on your tax position and goals. Many investors use an SPV (a property company), but it isn't right for everyone, speak to an accountant and a solicitor first.
Will I have to give a personal guarantee?
If you borrow through a company, very often yes. They're usually capped rather than unlimited, and you should understand the terms (ideally with legal advice) before signing.
How long do commercial mortgages run for?
Terms vary widely, commonly up to 25 years or so, with fixed-rate periods (such as 2, 3 or 5 years) inside the overall term.
Why use a broker rather than going direct?
Commercial lending is priced case by case, and many specialist lenders don't deal with the public directly. A broker compares the market, matches your case to the right lender, and packages it well, which can mean more options and a better outcome.
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This guide was published on 25 June 2026 (version 1.0) and reflects our understanding at that time. It is general information about commercial mortgages, not financial advice or a recommendation. Lending criteria, interest rates and tax rules change over time, so please confirm current details with a qualified advisor before acting. Reference: PL-CM-FAQ-v10.