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Top 10 Lenders for a £300,000 Commercial Mortgage in 2026
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Top 10 Lenders for a £300,000 Commercial Mortgage Compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Flexible-eligibility borrowers needing a £300,000 commercial property mortgage | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | Cost-conscious SMEs purchasing commercial premises with competitive monthly rates | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | Business owners comparing specialist and mainstream commercial mortgage deals | From £50,000 | interest 5% to 12% annually |
| 4 | NatWest Bank | Established businesses with strong accounts seeking a bank commercial mortgage | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 5 | HSBC Bank | Borrowers at the £300,000 ceiling wanting a familiar high-street lender | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 6 | Virgin Money | Trading businesses of 12+ months needing a mainstream commercial mortgage | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 7 | Barclays | Business owners seeking a recognised high-street name for property finance | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | Shire Leasing | Included for comparison: non-bank option for smaller commercial premises | £5,000 to £750,000 | interest 4% to 11% monthly |
| 9 | Shireassetfinance | Included for comparison: alternative lender for commercial property buyers | £5,000 to £750,000 | interest 4.5% to 12% monthly |
| 10 | MT Finance | Property investors needing competitive monthly rates on larger commercial loans | £50,000 to £10,000,000 | interest 0.89% to 1.05% monthly |
A commercial mortgage is a secured loan that uses business premises as collateral, allowing you to purchase a property or refinance an existing one. For small to medium business owners, it turns rental costs into asset ownership and can release tied-up equity for growth. A £300,000 facility typically covers the purchase of a shop, office, warehouse or light industrial unit, or the refinance of a similar property to improve working capital.
Comparison goes beyond headline rates. Look at the loan-to-value ratio each lender offers, as this determines the deposit you need. Compare whether rates are quoted monthly or annually, since this can make a material difference to total cost. Check trading history and turnover requirements, because high-street banks often demand more established accounts than specialist lenders. Also consider the lender's maximum loan ceiling: a cap at £300,000 leaves no headroom if your project expands.
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: Lends against UK commercial property with facilities from £100,000 to £3 million, structured as secured term loans or revolving credit. Monthly interest starts at 1.6%, and businesses that can offer suitable security may reuse funds once the facility is repaid. Expect legal and valuation costs as part of the setup.
Best next step: Generate offers for secured commercial terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit available once repaid
- Facility can reach £3 million
- Flexible secured and term options
Need to know
- Security against property is required
- Legal and valuation costs apply
- Rate starts at 1.6% monthly
Expert take
A flexible secured lender that structures deals around property equity rather than rigid term-loan profiles. For a £300,000 commercial mortgage, the revolving option adds real utility if the business may need to draw again later.
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: Funds property-backed deals within 24 hours, which helps purchasers who need to move quickly on a commercial property opportunity. Monthly rates run from 1.05% on facilities up to £2 million, with lending secured against the property itself. Short-term bridging is the core model, so a credible exit strategy matters.
Best next step: Explore fast property-backed commercial funding
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding decision within 24 hours
- Monthly rates from just 1.05%
- Facilities available up to £2 million
Need to know
- Short-term bridging requires exit plan
- Property security is mandatory
- Valuation and exit checks apply
Expert take
A speed-focused bridging lender built for time-sensitive property transactions. The 24-hour turnaround and low monthly rate from 1.05% work in a £300,000 borrower's favour when a quick close is the priority.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: Charges interest on an annual basis from 5% rather than monthly, which can make the cost of a commercial mortgage easier to forecast over the term. Facilities start at £50,000 with no upper cap listed, and the lender focuses on property-backed bridging and short-term secured arrangements.
Best next step: Compare annual-rate commercial mortgage options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual interest from 5% fixed
- Loans start from £50,000
- Short-term property lending focus
Need to know
- Bridging product, not long-term mortgage
- Security against property required
- Exit strategy will be assessed
Expert take
A property-backed bridging specialist that quotes annual rather than monthly rates, which simplifies cost comparison against bank mortgages. The 5% starting rate is competitive for a short-term secured facility at this loan level.
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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 million and quotes annual rates between 4.5% and 10.5%. Underwriting is thorough rather than fast, so applicants should expect detailed affordability checks and a longer timeline than alternative lenders.
Best next step: Check NatWest commercial mortgage eligibility
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 4.5% available
- Lends up to £10 million
- Full-service high-street bank
Need to know
- Bank underwriting takes longer
- Detailed affordability checks apply
- Personal guarantee may be needed
Expert take
A mainstream bank lender with a broad commercial mortgage range and competitive starting rates. For a £300,000 owner-occupied or investment purchase, the annual rate structure and bank brand bring confidence to a long-term property commitment.
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 writes commercial mortgages up to £300,000, with annual rates between 8.6% and 11.3%. The bank also runs invoice finance and asset-based lending desks, which means it can assess business cash flow alongside property security during underwriting. Bank processes mean decisions are seldom instant.
Best next step: See HSBC commercial mortgage terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Combined business funding possible
- Annual interest rate structure
- Established international bank
Need to know
- Rates start higher at 8.6% annually
- Lending capped at £300,000 total
- Standard bank timeline applies
Expert take
A familiar high-street name with a commercial mortgage range that covers purchases at this level. Businesses with broader working capital needs may benefit from HSBC's ability to assess property and cash-flow lending together.
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: Commercial mortgages from Virgin Money run from £30,000 to £10 million with annual rates between 4.5% and 10.5%. The bank also operates invoice finance and asset finance arms, which can help if a property purchase sits alongside broader working capital requirements. Underwriting follows standard bank timelines.
Best next step: View Virgin Money commercial mortgage rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 4.5% available
- Facilities up to £10 million
- Additional business finance options
Need to know
- Bank underwriting is not fast
- Affordability checks are detailed
- May require personal guarantee
Expert take
A high-street challenger brand with a long commercial mortgage reach and competitive entry rates. For a £300,000 purchase, the ability to layer invoice or asset finance around the mortgage gives growing businesses extra headroom.
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 markets its product as a Business Mortgage rather than a standard commercial mortgage, with facilities from £1,000 to £25 million and annual rates between 8.5% and 14.9%. The bank's lending panel covers asset finance, revolving credit and term loans, giving applicants room to structure a wider funding package.
Best next step: Explore Barclays Business Mortgage options
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Facilities up to £25 million
- Wider business funding available
- Established high-street lender
Need to know
- Annual rates from 8.5% and up
- Full bank underwriting applies
- Security and valuation needed
Expert take
A major clearing bank with an enormous commercial lending ceiling and a product branded for business property. The higher rate band reflects standard bank pricing, while the multi-product panel can fund more than just the mortgage.
Shire Leasing
Published loan range£5,000 to £750,000
Rate typeinterest 4% to 11% monthly
Overview: Decisions can arrive within 24 hours, making Shire Leasing a faster route for commercial mortgage applicants who cannot wait for bank timelines. Monthly rates range from 4% to 11% on facilities between £5,000 and £750,000. The lender also offers asset finance and revenue-based products, signalling appetite for varied business profiles.
Best next step: Check Shire Leasing commercial mortgage speed
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding decision within 24 hours
- Also offers asset finance
- Varied business profiles considered
Need to know
- Monthly rates start at 4%
- Property security is mandatory
- Shorter-term lending structure
Expert take
A multi-product lender that brings bridging-style speed to commercial mortgages without the narrow specialist focus. The 24-hour decision window is the headline draw for time-sensitive purchases at this loan level.
Shireassetfinance
Published loan range£5,000 to £750,000
Rate typeinterest 4.5% to 12% monthly
Overview: The fastest decision time on this list belongs to Shireassetfinance, which targets a 4-hour turnaround on commercial mortgage applications. Monthly rates from 4.5% to 12% apply across a £5,000 to £750,000 facility range. The speed comes with higher monthly costs, and security against the property is required.
Best next step: Get a 4-hour commercial mortgage decision
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Decision in as little as 4 hours
- Facilities from £5,000 to £750,000
- Also offers asset and MCA products
Need to know
- Monthly rates from 4.5% and up
- Property security is mandatory
- Speed comes at a higher cost
Expert take
The speed champion of this list, built for commercial mortgage borrowers who need certainty in hours rather than days. A time-critical purchase at £300,000 can justify the higher monthly rate that comes with a 4-hour decision.
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: Monthly rates start at 0.89%, the lowest in this list, on property-backed facilities from £50,000 to £10 million. MT Finance structures deals as short-term secured lending, which suits a commercial purchase or refinance where a clear repayment route exists. Borrowers should prepare for valuation and exit-risk checks.
Best next step: Compare MT Finance's low monthly rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lowest monthly rate from 0.89%
- Facilities up to £10 million
- Short-term property lending focus
Need to know
- Exit strategy will be assessed
- Property valuation is required
- Short-term product, not long-term
Expert take
A bridging lender with the sharpest monthly pricing on this page. For a £300,000 commercial mortgage arranged as a short-term bridge, the 0.89% entry rate is hard to beat, provided the exit plan stacks up.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
Understanding LTV ratios and property valuation for a £300,000 commercial mortgage
Lenders typically advance between 60% and 75% of a commercial property's value, meaning you will need a deposit of 25% to 40%. For a £300,000 commercial mortgage, that translates to a cash requirement of £75,000 to £120,000 from your own funds.
On this list, One Stop Business Finance and Inhale Capital both offer up to 75% LTV. MT Finance publishes a maximum of 70% LTV. Brightstar is an outlier, offering up to 100% LTV where additional security is available, which can reduce your upfront capital requirement significantly.
A professional valuation is mandatory. Lenders instruct a RICS-registered surveyor to assess the property's open market value and its forced sale value. The lower forced sale figure often determines how much you can borrow, not the purchase price. Older properties, specialist-use buildings, and properties in weaker locations may attract lower LTV offers or higher rates.
Interest rates and repayment costs on a £300,000 commercial mortgage
Rates on a £300,000 commercial mortgage vary widely by lender type. High-street banks such as NatWest Bank and Virgin Money publish rates from 4.5% to 10.5% annually. Barclays sits in a broader band of 8.5% to 14.9% annually. Specialist and short-term lenders operate on monthly pricing: One Stop Business Finance ranges from 1.6% to 3% per month, while Inhale Capital publishes rates from 1.05% to 1.3% per month and MT Finance from 0.89% to 1.05% per month.
Annual rates from banks suit longer-term owner-occupier mortgages, where stability matters. Monthly-rate products are more common for bridging, refurbishment, or shorter-term commercial investment. At 7.5% annually over 15 years, a £300,000 commercial mortgage on a capital-and-interest basis would cost roughly £2,780 per month. Interest-only arrangements reduce monthly outlay to around £1,875 but leave the full principal due at term end. Always compare total cost, not just the headline rate.
Eligibility and trading history requirements for a £300,000 commercial mortgage
Most commercial mortgage lenders expect your business to demonstrate consistent revenue and a track record. Virgin Money requires a minimum of one year's trading history. NatWest Bank publishes a minimum turnover threshold of £300,000, which filters out smaller or early-stage businesses.
Personal guarantees are standard across nearly all lenders on this list, including One Stop Business Finance, Inhale Capital, Brightstar, NatWest Bank, HSBC Bank, and Virgin Money. A personal guarantee means you are personally liable if the business defaults, so you should understand the risk before signing.
Lenders will also review your business accounts, bank statements, and SA302 tax documents. For owner-occupier mortgages, they assess whether your trading profits can comfortably service the monthly repayment. For investment purchases, rental income projections and lease terms carry more weight. A poor credit history or recent CCJs will limit your options to specialist lenders at higher rates.
How to improve your chances of securing a £300,000 commercial mortgage
Start by checking your business and personal credit files. Resolve any errors, settle outstanding defaults where possible, and ensure your filed accounts are up to date. Lenders will scrutinise both.
A larger deposit improves your negotiating position. If you can stretch to 30% or 35% equity, you may access lower rates and a wider pool of lenders. Some lenders on this list, including Inhale Capital and One Stop Business Finance, cap at 75% LTV, so having 25% ready is the minimum baseline.
Prepare a clear business plan if you are purchasing trading premises. Show revenue projections, cost assumptions, and how the property supports future growth. For refinancing, demonstrate that your existing mortgage has been serviced on time and that the property's value has held or increased.
Work with a specialist broker who can place your application with the right lender first time. Multiple credit searches from failed applications can damage your profile. A broker who understands the £300,000 commercial mortgage market will match your circumstances to lenders most likely to approve.
