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Top 10 Lenders for a £150,000 Commercial Mortgage in 2026
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Top 10 Lenders for £150,000 Commercial Mortgage
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Business owners purchasing or refinancing commercial premises above £100,000 | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | Property investors needing fast commercial mortgage decisions at flexible loan sizes | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | Business owners seeking commercial mortgages from £50,000 at annual rates | From £50,000 | interest 5% to 12% annually |
| 4 | NatWest Bank | Established businesses wanting a high-street bank commercial mortgage | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 5 | HSBC Bank | Smaller commercial property purchases backed by a major UK bank | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 6 | Virgin Money | Businesses with 12 months trading history seeking bank-backed terms | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 7 | Barclays | Business mortgage borrowers wanting a wide loan range from a major bank | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | Shire Leasing | Included for comparison; smaller commercial property lending options | £5,000 to £750,000 | interest 4% to 11% monthly |
| 9 | Shireassetfinance | Included for comparison; commercial mortgage lending from £5,000 | £5,000 to £750,000 | interest 4.5% to 12% monthly |
| 10 | MT Finance | Property investors needing larger commercial mortgages from £50,000 | £50,000 to £10,000,000 | interest 0.89% to 1.05% monthly |
A commercial mortgage is a secured loan used to purchase or refinance business premises, with the property itself serving as collateral. For UK businesses and property investors, it offers a practical route to owning trading premises or investment property without tying up all available capital. A £150,000 commercial mortgage can help a small to mid-sized business buy its own workshop, office, or retail unit, or refinance an existing property to release equity for growth.
Comparing lenders means looking beyond the headline rate. Key factors include the loan-to-value ratio on offer, whether the rate is fixed or variable, the repayment term available, and any arrangement or valuation fees. Lender appetite varies by property type, so check whether a lender covers owner-occupied premises, investment property, or both. A £150,000 loan sits where high-street banks and specialist lenders overlap, making it worth comparing both.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
One Stop Business Finance
Published loan range£100,000 to £3,000,000
Rate typeinterest 1.6% to 3% monthly
Overview: Lending from £100,000 to £3,000,000, this provider backs commercial property purchases and refinances with secured term loans. Funding typically completes within five days. Borrowers should expect a personal guarantee and a full valuation of the security property.
Best next step: Compare commercial mortgage offers
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loan range starts at £100,000
- Funding possible within five days
- Secured term loans available
Need to know
- Personal guarantee likely required
- Property valuation needed
- Monthly interest rate structure
Expert take
A secured lender serving SMEs with property-backed facilities. For a £150,000 commercial mortgage, their term loan structure works well when you need funding certainty and can meet affordability checks.
Source:https://www.osbf.co.uk/
Inhale Capital
Published loan range£0 to £2,000,000
Rate typeinterest 1.05% to 1.3% monthly
Overview: Funding can land in as little as 24 hours, making this lender one of the quicker routes to a commercial property loan. They work with property-backed borrowers and developers who need short-term secured funding. Monthly rates sit between 1.05% and 1.3%. Borrowers should factor in exit fees and valuation costs.
Best next step: Get fast commercial property funding
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding within 24 hours
- Loans up to £2,000,000
- Short-term secured facility
Need to know
- Exit strategy required
- Valuation costs apply
- Monthly interest charged
Expert take
A short-term bridging lender focused on property-backed deals. For a £150,000 commercial mortgage, their speed suits time-sensitive purchases, and the monthly rate structure keeps initial costs visible.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: Annual rates from 5% make this lender worth comparing if predictable borrowing costs matter. They lend from £50,000 upward for commercial property purchases and refinances, with funding possible within 24 hours. The product suits property-backed businesses and developers. Expect a valuation and legal costs as part of the process.
Best next step: Explore Brightstar commercial mortgages
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual interest from 5%
- Loans from £50,000
- Funding in 24 hours
Need to know
- Valuation required
- Legal costs apply
- Property security needed
Expert take
A property-secured lender that can move at bridging speed. For a £150,000 commercial mortgage, the annual rate structure makes cost forecasting easier than monthly-rate alternatives.
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: A high-street bank with a dedicated commercial mortgage product, NatWest lends from £500 to £10,000,000. Annual rates range from 4.5% to 10.5%. Underwriting tends to be thorough, so trading history and affordability evidence carry weight. The process may take longer than with specialist lenders, but established businesses often find the rates worthwhile.
Best next step: Check NatWest commercial mortgage rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Rates from 4.5% annually
- Loans up to £10,000,000
- Established high-street bank
Need to know
- Thorough underwriting process
- Strong trading history needed
- Personal guarantee may apply
Expert take
A mainstream bank lender with broad commercial mortgage coverage. For a £150,000 property purchase or refinance, the annual rate structure and brand stability appeal to established businesses with clean credit.
Source:https://www.natwest.com/business/loans-and-finance.html
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC structures commercial mortgages with annual rates between 8.6% and 11.3%, lending from £1,000 to £300,000. Funding can take around 48 hours once approved. The bank expects solid trading history and affordability evidence. For businesses that already bank with HSBC, the relationship can smooth the application.
Best next step: View HSBC commercial mortgage options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rate structure
- Lends from £1,000
- Global banking brand
Need to know
- Strict affordability checks
- Trading history required
- Up to 48-hour funding
Expert take
A global bank writing commercial mortgages for UK businesses. For a £150,000 property loan, existing HSBC customers may find the application smoother, and the annual rate structure keeps costs predictable.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Virgin Money
Published loan range£30,000 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Business owners purchasing or refinancing commercial premises can access between £30,000 and £10,000,000 through Virgin Money. Annual rates start at 4.5%, and funding can arrive within 24 hours of approval. The bank looks for solid trading history and affordability. If you value a familiar brand with competitive headline rates, this lender merits a look.
Best next step: Compare Virgin Money commercial mortgages
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Rates from 4.5% annually
- Loans from £30,000
- Funding within 24 hours
Need to know
- Strong trading history needed
- Affordability evidence required
- Personal guarantee possible
Expert take
A recognised high-street lender with competitive annual rates on commercial mortgages. For a £150,000 purchase or refinance, the wide loan range and brand familiarity work in your favour if trading history is strong.
Source:https://uk.virginmoney.com/business/business-borrowing/
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Barclays lends from £1,000 to £25,000,000 on its business mortgage product, covering everything from small commercial units to large premises. Annual rates fall between 8.5% and 14.9%. The bank assesses trading history and affordability thoroughly. Security against the property is required, and borrowers should budget for legal and valuation costs.
Best next step: See Barclays business mortgage details
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Loans from £1,000
- Up to £25,000,000 available
- Established banking brand
Need to know
- Rates from 8.5% annually
- Full underwriting required
- Legal and valuation costs
Expert take
A major UK bank with a broad business mortgage offering. For a £150,000 commercial property loan, the wide lending range signals flexibility and the annual rate structure keeps repayments predictable.
Shire Leasing
Published loan range£5,000 to £750,000
Rate typeinterest 4% to 11% monthly
Overview: Funding within 24 hours sets this lender apart for commercial mortgages. Shire Leasing lends from £5,000 to £750,000 with monthly rates between 4% and 11%. The product suits property-backed businesses that need a secured term loan. Borrowers should note the monthly rate structure means costs compound faster than annual-rate alternatives.
Best next step: Explore Shire Leasing commercial mortgages
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding within 24 hours
- Loans from £5,000
- Secured term loan product
Need to know
- Monthly interest structure
- Property security required
- Valuation costs apply
Expert take
A lender blending commercial mortgages with asset finance expertise. For a £150,000 property loan, the quick funding timeline is the standout feature and the monthly rate structure rewards borrowers who exit quickly.
Shireassetfinance
Published loan range£5,000 to £750,000
Rate typeinterest 4.5% to 12% monthly
Overview: Monthly rates from 4.5% apply to commercial mortgages from this lender, with funding possible in as little as four hours. Loans range from £5,000 to £750,000, secured against commercial property. The speed and rate structure make this a specialist option. Borrowers should weigh the monthly rate against annual-rate alternatives before committing.
Best next step: Compare fast commercial mortgage options
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding in four hours
- Loans from £5,000
- Secured against property
Need to know
- Monthly interest applies
- Rates up to 12% monthly
- Short-term product focus
Expert take
A fast-moving secured lender with some of the quickest turnaround times in the market. For a £150,000 commercial mortgage, the four-hour funding promise is striking and works best for borrowers with a clear short-term exit plan.
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: MT Finance writes property-backed loans from £50,000 to £10,000,000 with monthly rates as low as 0.89%. Funding typically completes within 24 hours once terms are agreed. The lender works with developers and businesses needing short-term secured funding for commercial property purchases and refinances. An exit strategy and property valuation are standard requirements.
Best next step: Check MT Finance bridging rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Rates from 0.89% monthly
- Loans up to £10,000,000
- Funding within 24 hours
Need to know
- Exit strategy required
- Property valuation needed
- Short-term lending focus
Expert take
A bridging specialist with competitive monthly rates on larger property-backed deals. For a £150,000 commercial mortgage, the low starting rate and 24-hour funding make this worth considering if you have a clear repayment plan.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
What interest rates to expect on a £150,000 commercial mortgage
Rates on a £150,000 commercial mortgage split broadly between high-street banks quoting annually and specialist lenders quoting monthly. The table below shows the published ranges across lenders on this page.
| Lender | Rate type | Typical range |
|---|---|---|
| NatWest | Annual interest | 4.5% to 10.5% per year |
| Virgin Money | Annual interest | 4.5% to 10.5% per year |
| HSBC | Annual interest | 8.6% to 11.3% per year |
| Barclays | Annual interest | 8.5% to 14.9% per year |
| MT Finance | Monthly interest | 0.89% to 1.05% per month |
Other specialist lenders on this list publish monthly rates. Inhale Capital quotes 1.05% to 1.3% per month and One Stop Business Finance ranges from 1.6% to 3% per month. Brightstar offers annual rates between 5% and 12% per year. The rate you secure depends on your trading history, the property type, and the size of your deposit. A well-prepared application at £150,000 should sit towards the lower end of these ranges.
Loan-to-value ratios and deposits for a £150,000 commercial property purchase
Most commercial mortgage lenders will not fund the full purchase price. On a £150,000 property, that means you need to bring a deposit to the table.
One Stop Business Finance and Inhale Capital both cap lending at 75% LTV. MT Finance goes to 70% LTV. At those levels, you would need a deposit of between £37,500 and £45,000 on a £150,000 purchase.
Brightstar is the exception on this list, offering up to 100% LTV. This usually requires additional security elsewhere, such as a charge over another property.
The type of commercial property also affects how much a lender will advance. Standard offices and retail units typically attract higher LTVs than specialist premises like workshops or leisure facilities. If you are refinancing rather than buying, the same LTV caps apply but are calculated against a current valuation instead of the purchase price.
Repayment terms available on a £150,000 commercial mortgage
Term lengths differ sharply between high-street banks and specialist lenders, and the choice has a direct impact on your monthly outgoings.
NatWest and Barclays both offer repayment periods of up to 25 years on commercial mortgages. Virgin Money extends to 20 years, while HSBC caps terms at 10 years. Longer terms reduce monthly repayments but increase the total interest you pay over the life of the loan.
Short-term and bridging-style lenders serve a different purpose. One Stop Business Finance and Inhale Capital both offer terms from 3 to 18 months. MT Finance ranges from 1 month to 2 years. Shire Leasing and Shireassetfinance provide terms from 3 months up to 6 years, sitting between short-term bridging and traditional bank mortgages.
Most £150,000 commercial mortgages are structured on a capital and interest basis. Some lenders may offer an interest-only period, particularly for investment properties where rental income covers the monthly interest charge.
Eligibility criteria for a £150,000 commercial mortgage application
Eligibility requirements vary by lender, and it pays to check before you apply. NatWest requires a minimum annual turnover of £300,000, which may rule out smaller businesses seeking £150,000. Virgin Money asks for at least one year of trading history.
Personal guarantees are standard across most lenders on this list. One Stop Business Finance, Inhale Capital, Brightstar, NatWest, HSBC, and Virgin Money all require directors to provide a personal guarantee. This means you are personally liable if the business cannot keep up repayments.
None of the lenders listed require you to be a homeowner to apply, and card payment history is not a condition for any of these commercial mortgage products.
Lenders will assess the property itself alongside your business financials and credit history. Having your accounts, bank statements, and a clear explanation of how the property will be used ready before you apply helps move things along quickly.
