Commercial mortgages in 2025 – 7 best brokers

Auction deadlines, development timelines, and refinancing pressure continue to drive demand for fast, short-term funding among UK property investors. When transactions move on fixed dates, delays at underwriting or lender selection can collapse an otherwise viable deal.

In this guide, we highlight 5 standout commercial mortgages providers for different needs in 2026.

TL;DR:

• Commercial mortgages in 2026 reflect stabilised rates, higher lender selectivity, and equity requirements often reaching 20-40%.
• KIS Finance is considered the best commercial mortgages provider in 2026.
• Lenders prioritise multifamily, industrial, and specialist assets while applying stricter underwriting to retail and hospitality.
• Typical commercial mortgage terms range from 5 to 30 years, with loan sizes driven by income coverage and asset risk.

How We Established This Ranking

We evaluated each broker using the same objective criteria focused on real-world execution rather than marketing claims.

• FCA regulation and compliance status
• Range of commercial and short-term finance products
• Flexibility around underwriting, security, exits, and leverage
• Customer service quality and advisor accessibility
• Loan size, term length, and LTV or LTI tolerance
• Speed of decision-making and typical completion timelines
• Strength of online tools and digital application support

The same framework applied to every firm to allow a fair comparison.

What Are The Best Commercial Mortgages In 2026?

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 3 to 30 years. KIS Finance is particularly strong in complex cases, including those involving poor credit, mixed-use premises, and overseas applicants. 

Max Loan Amount: £250 million

​Max Term: 30 years

Rating: 4.96

2. Watts Commercial Finance

Watts Commercial Finance launched in 1985 and operates as a UK commercial mortgage broker for SMEs, property investors, and limited companies. Based in Cheshire with nationwide offices, the firm works with high street banks, challenger lenders, and specialist funders. The brokerage arranges commercial mortgages for owner-occupied, investment, development, and refinancing cases, with a focus on efficient decision-making and deal execution.

Max Loan Amount: £2 million

Max Term: 30 years 

Rating: 4.9

3. Newable

Newable has provided commercial mortgage advice since 1982, operating from London and serving SMEs and property investors. The firm works with high street banks, challenger lenders, and specialist providers to arrange mortgages for owner-occupied property, investment purchases, development, and refinancing. Advisers manage eligibility checks, lender selection, and deal structuring through to valuation and completion.

Max Loan Amount: £150,000 

Max Term: 5 years 

Rating: 5

4. Swoop

Swoop operates as a fintech-led commercial mortgage broker connecting UK businesses with a wide lender panel. The platform supports owner-occupied and investment mortgages, typically offering rates between 2.5% and 6% with terms up to 30 years. Businesses use an online dashboard to view matched funding options and progress applications through a single digital workflow.

Max Loan Amount: £50 million

Max Term: 25 years 

Rating: 4.9

5. Pure Property Finance

Pure Property Finance operates from Cardiff as a commercial mortgage broker serving SMEs and professional landlords. The firm focuses on commercial property mortgages and development finance, using a whole-of-market model to source funding across multiple lender types. Advisers handle standard commercial loans as well as semi-commercial and auction-driven transactions, with underwriting structured around non-standard income and complex deal requirements.

Max Loan Amount: N/A

Max Term: 30 years 

Rating: 4.8

Conclusion

Selecting a bridging loan broker shapes how quickly funding reaches completion and how much friction appears along the way. Speed, lender access, and execution under pressure matter more than marginal rate differences when deadlines drive the transaction.

KIS Finance stands out for extended operating hours, seven-day availability, and the ability to move from enquiry to decision within hours. That operating model suits borrowers facing auctions, chain breaks, or urgent refinancing, where certainty and pace determine outcomes.

Frequently Asked Questions (FAQs)

What is a commercial mortgage and how does it work in 2026?

A commercial mortgage is a secured loan used to purchase, refinance, or develop property used for business or investment purposes. In 2026, lenders assess affordability through rental yield, business cash flow, and borrower experience. Terms usually range from 5 to 30 years with capital repayment or interest-only structures.

What interest rates can borrowers expect on commercial mortgages in 2026?

Rates depend on base rate movements, asset risk, and borrower strength. Commercial mortgage rates typically sit above residential rates and vary by loan-to-value and property type. Owner-occupied properties often receive more favourable pricing than investment assets.

How much can you borrow on a commercial mortgage?

Loan size depends on property value, income coverage, and leverage limits. Most lenders operate within 60% to 75% loan-to-value, with interest cover ratios applied to rental or trading income. Specialist cases may fall outside standard thresholds.

Who qualifies for a commercial mortgage?

Eligibility centres on credit profile, trading history, and property viability. SMEs, limited companies, partnerships, and professional landlords commonly qualify. Start-ups usually face tighter criteria or require stronger security.

What property types are acceptable for commercial mortgages?

Lenders finance owner-occupied premises, investment properties, semi-commercial units, and development sites. Sector risk influences pricing, with retail, hospitality, and specialist assets assessed more cautiously. Location and tenant quality also affect approval.

How long does a commercial mortgage take to complete?

Most completions take six to ten weeks. Timelines depend on valuation speed, legal complexity, and underwriting depth. Broker-led cases often complete faster due to better lender matching and document readiness.

Is it better to use a broker for commercial mortgages in 2026?

Brokers provide access to high street banks, challenger lenders, and specialist funders. That coverage improves approval odds and pricing where criteria vary. Complex or time-sensitive cases benefit most from broker-led structuring.