A commercial mortgage is a loan secured against business property. It enables companies to buy new premises, refinance existing ones, or unlock capital by leveraging commercial assets.
Unlike residential mortgages, these loans are structured around business needs, with terms ranging from three to thirty years. Loan amounts are based on property value, projected income, and the applicant’s financial track record.
Many businesses turn to commercial mortgages for long-term cost control, tax advantages, and property appreciation. They’re often preferred over renting due to stability, equity growth, and protection against rising lease costs.
Here are five of the best commercial mortgage providers in the UK in 2025:
1. KIS Finance
Headquarters: Cullompton, UK
Loan Range: £100,000 – £250 million+
LTV: Up to 75% (100% with additional security)
Repayment Terms: 3 – 30 years
Availability: 7 days a week, 8:00 – 22:00
Website: kisbridgingloans.co.uk
Phone: 0800 644 6555
KIS Finance is one of the best commercial mortgage providers in the UK. The firm offers bespoke lending options for both owner-occupiers and investors. Loan values range from £100,000 to over £250 million. Repayment terms are flexible, spanning 3 to 30 years.
Clients gain access to a broad panel of lenders, including high street banks, challenger banks, and specialist funders. Both capital repayment and interest-only options are available. Typical loan-to-value is up to 75%, with 100% funding possible where additional security is provided.
KIS Finance is well-regarded for its handling of complex cases. These include applications involving poor credit, mixed-use premises, and overseas borrowers. The firm requires a minimum of three years’ trading history and financial forecasts.
Fees include 1–2% lender arrangement charges and a broker fee of up to 1%. Valuation and legal fees apply.
The service model is advisory and transparent. Clients receive full details before proceeding. No high-pressure sales techniques are used.
KIS Finance is considered a reliable choice for large, non-standard, or urgent commercial mortgage needs.
2. Watts Commercial Finance
Headquarters: Nantwich, Cheshire, UK
Loan Range: Variable (typically up to 80% LTV, 100% with additional security)
LTV: Up to 80% (100% with additional security)
Repayment Terms: Short to long-term, fixed or variable
Availability: Nationwide offices
Website: watts-commercial.co.uk
Watts Commercial Finance is a long-established commercial mortgage provider serving clients across the UK. Founded in 1985, the firm offers funding for a wide range of property types, including HMOs, care homes, semi-commercial units, and investment properties.
Watts works with a broad lender panel, covering high street banks, challenger banks, and specialist providers. Clients include sole traders, SMEs, and large limited companies.
Mortgages are available on both interest-only and capital repayment terms. The firm arranges tailored solutions for property acquisition, refinancing, development, and business expansion.
Watts Commercial uses a competitive tender process, encouraging lenders to offer the best terms. A dedicated commercial manager supports each client throughout the process.
Typical client fee is 1.5%, with an initial payment of £995 or 0.25% at offer, and the remainder on completion. No upfront fees are charged.
The firm is a member of the National Association of Commercial Finance Brokers (NACFB) and adheres to industry-recognised standards.
Watts Commercial Finance is noted for its speed, flexibility, and award-winning service. It remains a trusted choice for businesses seeking tailored, face-to-face support.
3. Newable
Headquarters: London, UK
Loan Range: Not disclosed (broad SME and property scope)
LTV: Variable, based on lender and property use
Repayment Terms: Case-specific
Availability: Business hours
Website: newable.co.uk
Newable is a UK commercial mortgage provider established in 1982. The firm specialises in business and property finance for SMEs, developers, and landlords.
Newable operates as a whole-of-market broker, working with over 200 lenders. These include high street banks, challenger institutions, and specialist funders.
The firm provides finance for property purchases, refinancing, development, and owner-occupied premises. Clients receive hands-on support with lender selection, application preparation, and valuation coordination.
Other services include bridging loans, auction finance, development finance, invoice and asset finance, and cashflow lending.
Documentation requirements include full accounts, forecasts, and detailed property information. Fees vary depending on the complexity of the loan and the chosen lender.
Newable is authorised and regulated by the Financial Conduct Authority (FCA). The firm is recognised for its consultative approach and clear communication.
Newable remains a strong choice for SMEs seeking tailored mortgage solutions with broad lender access.
4. Pure Property Finance
Headquarters: Cardiff, UK
Loan Range: Variable (up to 75% LTV)
Repayment Terms: Up to 30 years
Availability: Nationwide service
Website: purepropertyfinance.co.uk
Pure Property Finance is an independent commercial mortgage broker founded in 2013. Based in Cardiff, the firm offers tailored finance solutions for owner-occupiers, property investors, and developers.
The company works with over 60 lenders, including high street banks, private funds, and specialist providers. Loans are available for single properties, portfolios, and clients with adverse credit.
Pure Property Finance also arranges development finance, bridging loans, buy-to-let and residential mortgages, secured loans, and asset finance.
Loan-to-value is typically up to 75%. Both interest-only and fixed repayment options are available. Terms extend up to 30 years.
Each case is managed by an experienced broker who handles the full process—from enquiry to completion. The firm is known for negotiating reduced legal and arrangement fees.
Broker fees are usually around 1%, with standard valuation and legal costs.
The firm is noted for fast response times, transparent service, and strong support on urgent or complex cases.
Pure Property Finance remains a strong option for borrowers needing personalised, fast-turnaround commercial mortgage solutions.
5. Swoop
Headquarters: London, UK
Loan Range: Variable (typically 60–80% LTV)
Interest Rates: 2.5% – 6%
Repayment Terms: Up to 30 years
Availability: Online platform and advisory team
Website: swoopfunding.com
Swoop is a fintech-driven commercial mortgage provider serving UK businesses. Founded in 2018, the firm combines technology and expert support to deliver fast, tailored funding solutions.
Swoop matches clients with lenders through a digital dashboard. Users gain instant access to eligible mortgage options, spending insights, and available grants.
The firm provides funding for owner-occupied and investment properties. Mortgage products include fixed and variable rates, with terms of up to 30 years. Deposits typically range from 20–40%.
Each client is supported by a commercial adviser, with an average of 15 years’ experience. Swoop also offers a mortgage calculator and full application guidance.
Typical broker fees are around 1% of the loan amount. Additional fees may apply depending on the lender.
Swoop is regulated by the Financial Conduct Authority (FCA). It also supports a network of independent brokers under Appointed Representative (AR) arrangements.
Swoop is widely seen as a modern solution for businesses seeking quick, data-informed access to commercial mortgages.
This article outlines the five best commercial mortgage providers in the UK in 2025, highlighting firms that offer tailored, competitive solutions for businesses seeking to purchase property, refinance, or release capital.
Commercial mortgages differ from residential loans by offering longer terms, larger sums, and business-specific underwriting. KIS Finance leads the list for its flexibility and expertise in complex cases.
Watts Commercial Finance excels with SMEs through rapid decision-making and award-winning service. Newable delivers bespoke advice and strong lender access for both owner-occupied and investment projects.
Pure Property Finance focuses on investors needing flexible structures and whole-of-market access. Swoop stands out for its fintech platform, combining smart matching technology with real broker support to streamline the funding process.
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