Commercial mortgages in 2025 – 7 best brokers

A commercial mortgage is a type of loan secured against property that’s used for business purposes. It allows companies to purchase premises, refinance existing ones, or raise capital using commercial property as collateral. Unlike residential mortgages, these loans are tailored to business needs, with terms ranging from three to thirty years. The borrowing amount typically depends on the property value, projected income, and the borrower’s financial profile. Interest rates can be fixed or variable, and lenders often expect a deposit of at least 25 percent. Many businesses prefer commercial mortgages because they provide long-term stability and potential tax benefits. Owning property can also be a strategic investment, offering capital growth and protection from future rent increases.

The best commercial mortgages are often secured through specialist brokers who maintain extensive lender networks and expertise in complex deal structures. These professionals help businesses navigate the competitive market to find optimal financing solutions that match their specific requirements.

KIS Finance

KIS Finance commercial mortgages are considered the best in the UK, known for its transparent service and broad market access. They arrange loans from £100,000 up to £250 million, serving everyone from sole traders to large limited companies. With access to high street banks, challenger lenders, and specialist funders, they tailor each mortgage to the client’s property type, credit profile, and business goals.

They offer both interest-only and capital repayment options, with terms from three to thirty years. KIS Finance is particularly strong in complex cases, including those involving poor credit, mixed-use premises, and overseas applicants. They also handle portfolio acquisitions and refinancing. Clients consistently highlight their straight-talking advice and consistent communication throughout the application process.

Watts Commercial Finance

Watts Commercial Finance launched in 1985 and has since grown into one of the UK’s most trusted SME commercial mortgage brokers. They earned the title of Moneyfacts Preferred Broker and have been named Business Moneyfacts Commercial Mortgage Introducer of the Year for seven consecutive years. Based in Cheshire with offices across the UK, their team of dedicated commercial managers connects clients from sole traders to large limited companies with high street banks, challenger banks, and specialist lenders.

Watts Commercial performs best at rapid decision-making and securing competitive terms for owner-occupied, investment, development, and refinancing projects. Whether it’s refinancing a buy-to-let portfolio or acquiring new premises, their clients benefit from hands-on, experienced brokers who cut through red tape. The best commercial mortgages often come through their award-winning service and strong network of lender relationships.

Newable

Newable has been offering commercial mortgage advice since 1982 from its London base, focusing on tailored solutions for SMEs and property investors. They work through a comprehensive lender panel that includes high street banks, challenger banks, and specialist providers, ensuring clients access the best commercial mortgages matched to their circumstances.

Their expertise extends to owner-occupied premises, investment acquisitions, development projects, and refinancing. Newable’s advisers scrutinise lender preferences to secure optimal loan-to-value ratios and rates. They guide clients through the entire process from assessing eligibility and credit history to structuring repayment options and completing valuations. Many SMEs appreciate their proactive approach and clear communication, which helps demystify complex financing and reduces delays in securing capital.

Swoop

Swoop is a fintech-driven commercial mortgage broker that simplifies funding for UK businesses through intelligent matching and transparent support. With strong Trustpilot ratings and FCA regulation, Swoop bridges the gap between SMEs and a broad range of lenders—offering competitive mortgage rates between 2.5% and 6% for both owner-occupied and investment properties, with terms up to 30 years.

What sets Swoop apart is its technology-led platform. Once registered, businesses access a dashboard that displays matched funding options, spending insights, and grant opportunities. From commercial mortgages to equity funding and cost-saving advice, Swoop acts as both a broker and financial co-pilot. Their platform helps businesses identify the best commercial mortgages without the usual friction associated with traditional brokers.

Pure Property Finance

Pure Property Finance stands out as one of the leading commercial mortgage brokers for investors seeking tailored financial structures. Based in Cardiff, the firm specialises in commercial property mortgages and development finance for SMEs and professional landlords. They operate with a whole-of-market model, which enables them to deliver the best commercial mortgages across a wide spectrum of sectors.

Their team works on everything from straightforward commercial loans to more intricate projects like semi-commercial properties and auction purchases. Pure Property Finance is particularly popular with clients who need responsive service and flexible underwriting that accommodates unusual structures or income types.

John Charcol

John Charcol is one of the UK’s oldest independent mortgage brokers, with over 230 employees operating across the UK and relationships with over 120 networks of lenders. They offer commercial mortgages for both owner-occupiers and commercial investors, suitable for a wide range of property types including flats and hotels/guest houses.

With over 50 years of experience and more than 150 mortgage and protection advisers, John Charcol brings unmatched market knowledge to securing the best commercial mortgages for their clients. Their extensive network and proven track record make them a trusted choice for businesses seeking reliable commercial property financing.

The commercial Branch

The Commercial Branch is a specialist commercial mortgage broker offering over 50 years of combined experience in securing funding for businesses across the UK. With access to over 400 lenders, they pride themselves on providing unmatched service speed and comprehensive support throughout the entire mortgage process. Their team includes dedicated specialists in each field, ensuring clients receive quality advice tailored to their specific commercial property needs.

What makes The Commercial Branch stand out is their commitment to going the extra mile for clients who don’t fit traditional lending criteria. They specialise in finding solutions for self-employed individuals, self-builders, high net worth clients, and complex commercial scenarios. The best commercial mortgages often result from their extensive lender network that extends far beyond high street providers, combined with their personal service approach that includes consultations suited to client schedules, even on weekends and bank holidays.

Conclusion

This article outlines the seven leading commercial mortgage brokers in the UK in 2025, highlighting firms that offer tailored, competitive solutions for businesses seeking to purchase property, refinance, or release capital. The best commercial mortgages differ from residential loans by offering longer terms, larger sums, and business-specific terms. KIS Finance leads the list for its flexibility and expertise in complex cases, while Watts Commercial Finance excels with SMEs through rapid decision-making and award-winning service. Whether you need traditional broker expertise or fintech innovation, these seven brokers provide the market access and professional guidance necessary to secure optimal commercial property financing in today’s competitive market.