A commercial investment mortgage is designed for individuals or businesses purchasing commercial property for investment purposes rather than operating their own business from the premises. The property is usually rented to commercial tenants who pay rental income to the property owner.

Commercial investment mortgages are commonly used for:

• Offices
• Retail units
• Warehouses & industrial units
• Mixed-use properties
• Semi-commercial buildings
• Multi-let commercial properties
• Leisure and hospitality premises

Many investors use commercial investment mortgages to build property portfolios, generate long-term rental income, and potentially benefit from future property value growth.

Commercial investment mortgages may be suitable for:

• Individual property investors
• Limited company investors
• Portfolio landlords
• First-time commercial investors
• Property developers holding investment assets
• Partnerships and LLPs
• Experienced commercial landlords

Lenders assess each case individually based on the property, rental income, investor profile, and overall affordability.

Commercial mortgage lenders assess several factors before offering finance for investment properties.

These may include:

• Expected or existing rental income
• Property location and tenant demand
• Lease terms and tenant quality
• Investor experience
• Deposit size or available equity
• Credit profile and financial background
• Existing property portfolio
• Property type and intended use
• Loan term and repayment structure

Some lenders focus on lower-risk investment properties, while specialist lenders may consider more complex cases or specialist commercial assets.

As commercial mortgage brokers, we help match your circumstances with lenders whose criteria may suit your investment goals.

Commercial investment mortgages can provide several benefits for property investors looking to grow or refinance their portfolio.

The amount you can borrow depends on factors such as rental income, property value, investor experience, and lender criteria.

Commercial investment mortgage lenders may offer:

• Loan-to-value ratios up to 70%–75% in some cases
• Mortgage terms ranging from 5 to 25 years
• Interest-only and capital repayment options
• Fixed and variable rate products depending on suitability

Each lender has its own affordability model and investment criteria, which is why comparing lender options is important.

Commercial investment lending can vary significantly between lenders. Some lenders focus on standard investment properties, while others specialise in complex or higher-value cases.

As commercial mortgage brokers, we help investors:

• Compare commercial investment mortgage options
• Access lenders that suit their investment strategy
• Understand lender criteria and affordability
• Explore repayment structures and terms
• Navigate the commercial mortgage process more efficiently

Our role is to help identify suitable lender solutions based on your property and investment objectives.

Commercial investment mortgage rates can vary depending on the property type, rental income, loan amount, and lender criteria.

Our commercial mortgage comparison tool allows investors to compare available lender products based on their investment requirements.

You can compare lender options using factors such as:

• Property value
• Loan amount required
• Expected rental income
• Repayment type
• Mortgage term
• Loan-to-value ratio

Comparing lenders can help you:

• Explore competitive commercial mortgage rates
• Identify lenders suited to your investment profile
• Compare fees and repayment structures
• Understand available finance options
• Improve your investment planning

The rates shown in our comparison tool are sourced directly from lender portals and reflect products based on the information provided.

Commercial Investment Mortgage Rates

Before making a full mortgage application, you can complete our free commercial mortgage eligibility check.

We assess your circumstances against lender criteria to help identify lenders that may suit your investment profile.

Our eligibility assessment can help you:

• Understand your potential borrowing position
• Explore suitable lender options
• Reduce unnecessary declined applications
• Save time during the application process
• Gain clarity before proceeding further

There is no fee for an eligibility check and no obligation to proceed.

Check My Eligibility

Every commercial investment mortgage application is different. Some investors may be purchasing a single property, while others may be expanding larger commercial portfolios.

At Commercial Wise, we take the time to understand your investment goals and help identify lenders whose criteria may align with your requirements.

Whether you are investing through a limited company, refinancing an existing asset, or purchasing your first commercial investment property, we aim to make the process clearer and easier to manage.