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Own the property. Anchor the business.
Stable helps UK SMEs compare commercial mortgage lenders, structure the right facility, and secure funding on terms that protect cash flow now and flexibility later.
Commercial MortgagesBuy the premises.
Buy the premises.
Own the asset that supports the business.
Commercial mortgages for owner-occupiers and investors — from single-unit purchases through to portfolio refinance and equity release.
Compare mortgage optionsThe problem
Renting locks up cash and gives you nothing to show for it
Every month of rent is money leaving the business. No equity. No security value. No control over the space, the terms or the landlord's next decision.
A commercial mortgage lets you buy the property the business operates from — turning rent into ownership, and freeing the balance sheet up as the asset appreciates and the debt reduces.
What we fund
Owner-occupied premises and commercial investment property
Offices
Single-unit or multi-let. Central, out-of-town, or mixed-use developments.
Retail
High street, shopping centres, standalone units and forecourt property.
Industrial & warehouse
Light industrial, logistics, distribution centres and manufacturing space.
Hospitality & leisure
Hotels, pubs, restaurants, gyms and specialist trading premises.
Healthcare & care
Dental practices, GP surgeries, veterinary clinics, care homes.
Mixed-use & semi-commercial
Retail with flats above, live-work units, mixed-tenanted buildings.
Types of commercial mortgage
The right structure depends on what the property does for the business
Owner-occupied commercial mortgage
You buy the premises the business trades from. Repayments are serviced by trading cash flow. Lenders assess the business as well as the property.
Commercial investment mortgage
You buy the property to let. Repayments are serviced by rental income. Lenders assess tenant quality, lease strength and rental cover.
Semi-commercial mortgage
For mixed-use property — retail with a flat above, or a pub with letting rooms. Priced against both the commercial and residential elements.
Refinance & equity release
Replace an existing facility on sharper terms, or release capital from a property you already own to fund growth or acquisitions.
Key terms
What a typical commercial mortgage looks like
Loan-to-value
Usually 60-75% LTV for owner-occupied, 65-75% for investment. Higher LTV possible for strong covenants.
Term
5-25 years. Longer terms reduce monthly payments but increase total interest.
Rate type
Fixed (2-10 years) or variable. Fixed suits budgeting; variable suits businesses expecting rates to fall.
Repayment structure
Capital and interest (amortising) or interest-only. Interest-only preserves cash but leaves a balloon at term end.
Why Stable
Your bank shows one product. Stable shows you the whole commercial mortgage market.
High street banks have narrow appetite, standardised LTVs and slow decisions. Challenger banks and specialist commercial lenders often offer sharper pricing, higher LTVs or faster execution — but you have to know where to look.
Book a callStable benchmarks the market for you, positions the deal properly, and negotiates on structure as well as rate. The cheapest headline pricing is rarely the best deal once fees, break costs, LTV limits and covenants are stress-tested.
Lender criteria
What commercial mortgage lenders actually look at
A strong tenant, a clean valuation and a well-presented case can materially improve pricing and LTV.
Book a callThe property
Value, condition, location, planning use and resale market.
The business
Trading history, profitability and ability to service repayments.
The income
Rental cover for investment property, or trading cover for owner-occupied.
The director
Personal credit profile, experience and existing property exposure.
Before you sign
Five questions worth answering first
Before continuing, have a think about these critical questions.
Need help? Talk to us- 1. Do you want a fixed rate, and for how long?
- 2. Is the repayment structure amortising or interest-only — and can you refinance the balloon?
- 3. What are the arrangement fees, exit fees and early repayment charges?
- 4. Are personal guarantees or debentures required?
- 5. Does the LTV leave headroom if the valuation dips at review?
Book a discovery call
FAQs
Frequently asked questions
What is a commercial mortgage?+
A loan secured against commercial property — used to buy premises for your own business, or investment property let to others.
How much can I borrow?+
Usually 60-75% of the property value. The exact figure depends on the property, the business, the rental cover and the lender's appetite.
What deposit do I need?+
Typically 25-40% of the purchase price, plus fees, legal costs and stamp duty. Some lenders accept lower deposits with stronger security or covenants.
Can I get a commercial mortgage as a limited company?+
Yes. Most commercial mortgages are taken by limited companies, LLPs or SPVs. Lenders will still assess the directors and any guarantors.
What term is available?+
Usually 5-25 years. Shorter terms suit lower total interest cost; longer terms suit lower monthly payments and better cash flow.
How long does it take to complete?+
Typical completion is 6-12 weeks from application. Complex deals, refurbishment cases or portfolio purchases can take longer.
Can I refinance my existing commercial mortgage?+
Yes. Stable can benchmark your current facility against the wider market and identify whether a refinance saves money or unlocks capital.