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Top 10 Lenders for a £750,000 Commercial Mortgage in 2026
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Top 10 Lenders for a £750,000 Commercial Mortgage
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Business owners needing flexible terms on larger commercial property purchases | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | Commercial investors wanting fast decisions and competitive monthly rates | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | Businesses seeking annual-rate mortgages with specialist broker guidance | From £50,000 | interest 5% to 12% annually |
| 4 | NatWest Bank | Established firms with strong turnover needing high-street bank terms | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 5 | Virgin Money | Trading businesses wanting bank-rate mortgages for commercial premises | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | Barclays | Larger commercial property investors exploring high-street lending options | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 7 | Offa | Buy-to-let investors needing annual-rate finance for commercial properties | £80,000 to £2,500,000 | interest 5.9% to 7.5% annually |
| 8 | Shire Leasing | Businesses seeking specialist commercial mortgage lending up to £750,000 | £5,000 to £750,000 | interest 4% to 11% monthly |
| 9 | Shireassetfinance | Commercial property borrowers comparing specialist lending alternatives | £5,000 to £750,000 | interest 4.5% to 12% monthly |
| 10 | MT Finance | Property investors needing competitive monthly rates on larger loans | £50,000 to £10,000,000 | interest 0.89% to 1.05% monthly |
A commercial mortgage is a loan secured against business premises, used to purchase or refinance commercial property. It suits business owners and investors who want to acquire income-generating assets or release equity without disrupting cash flow. For many, a facility at this level opens the door to offices, retail units, warehouses or mixed-use buildings across the UK.
Comparing lenders goes beyond the advertised interest rate. Loan-to-value ratios dictate your deposit requirement and vary considerably between providers. Repayment terms, typically five to twenty-five years, shape your monthly commitment and total borrowing cost. Some lenders favour owner-occupied premises while others specialise in investment properties. Arrangement fees, early repayment charges and valuation costs can meaningfully shift the overall deal value. Your trading history and the property type will also determine which lenders are genuinely available to you.
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: A lending range stretching to £3 million means One Stop Business Finance handles commercial mortgages at this level without approaching its ceiling. It funds secured term loans and property-backed facilities for SMEs, with rates from 1.6% monthly. Expect to provide strong trading history and suitable security — this is not a light-touch lender.
Best next step: Compare One Stop Business Finance commercial mortgage terms
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loan range extends to £3 million
- Funds secured and property-backed facilities
- Flexible term loan structures available
Need to know
- Strong trading history required
- Personal guarantee likely needed
- Legal and valuation costs apply
Expert take
A well-established secured lender comfortable with mid-range commercial mortgages. Its property-backed appetite works in your favour — just expect thorough underwriting and full security requirements.
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 in as little as 24 hours sets Inhale Capital apart when a commercial mortgage at this level cannot wait. It concentrates on property-backed and bridging facilities up to £2 million, with monthly rates starting at 1.05%. The trade-off: short-term funding means higher fees and a clear exit strategy is essential.
Best next step: Explore Inhale Capital bridging and commercial mortgage rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds within 24 hours
- Loans available up to £2 million
- Monthly rates from 1.05%
Need to know
- Short-term property-backed funding only
- Higher fees than term lending
- Clear exit strategy required
Expert take
A fast-moving bridging and property finance specialist. The speed advantage is real — your exit plan needs to be watertight and the short-term cost absorbed comfortably.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: Annual interest rates from 5% give Brightstar a cost edge for borrowers weighing up a commercial mortgage over a longer horizon. It funds from £50,000 upward with a focus on property-backed and bridging deals. The structure leans short-term, so refinancing or selling is the expected exit path.
Best next step: Check Brightstar commercial mortgage and bridging options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates starting at 5%
- Property-backed deals from £50,000
- Short-term bridging structures available
Need to know
- Short-term exit required
- Property valuation needed
- Higher fees possible on bridging
Expert take
A bridging lender balancing short-term speed with reasonable annual pricing. Worth comparing against bank term loans when a commercial mortgage needs to complete faster than high-street timelines allow.
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: NatWest, one of the UK's largest high-street banks, offers institutional pricing and long-term certainty on commercial mortgages at the £750,000 level. Its lending range reaches £10 million, with annual rates from 4.5% to 10.5%. Expect a thorough underwriting process — bank deals at this size reward patience with lower long-term cost.
Best next step: See NatWest commercial mortgage rates and eligibility
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 4.5%
- Loans available to £10 million
- Long-term repayment structures
Need to know
- Bank underwriting is slower
- Strong trading history required
- Personal guarantee may apply
Expert take
A high-street heavyweight with the balance sheet to handle six-figure commercial mortgages comfortably. NatWest's pricing is hard to beat at this level, provided your business can pass a full bank underwriting review.
Source:https://www.natwest.com/business/loans-and-finance.html
Virgin Money
Published loan range£30,000 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Virgin Money structures commercial mortgages with repayment flexibility that suits owner-occupiers and investors alike. Its loan book runs from £30,000 to £10 million, with annual rates between 4.5% and 10.5%. The caveat: as with any high-street lender, processing times reflect the depth of due diligence.
Best next step: View Virgin Money commercial mortgage deals
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Broad lending range to £10 million
- Competitive annual interest rates
- Established high-street brand
Need to know
- Lengthy approval process likely
- Full financial disclosure needed
- Security and valuation required
Expert take
A familiar high-street name with genuine appetite for commercial mortgages. Virgin Money brings regulated-bank reassurance to a deal of this size, with competitive annual rates and a thorough but predictable approval process.
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' business mortgage product suits established companies that can demonstrate consistent trading performance and a clean credit profile. Lending reaches £25 million, and annual rates between 8.5% and 14.9% reflect risk-adjusted pricing. The process rewards patience and strong financials.
Best next step: Review Barclays business mortgage terms
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lending capacity to £25 million
- Global banking infrastructure
- Risk-adjusted secured lending
Need to know
- Rates start higher than peers
- Strict credit profile checks
- Full security package required
Expert take
A banking giant that underwrites commercial mortgages with risk-adjusted pricing. Barclays can structure a £750,000 facility around complex property scenarios that simpler lenders might decline — the headline rates simply reflect that flexibility.
Offa
Published loan range£80,000 to £2,500,000
Rate typeinterest 5.9% to 7.5% annually
Overview: For property investors targeting buy-to-let, Offa delivers a focused commercial mortgage with annual rates from 5.9% to 7.5%. The product reaches £2.5 million, leaving ample headroom. Lending is purpose-built for investment property, so trading businesses looking at owner-occupied premises will need to look elsewhere.
Best next step: Explore Offa buy-to-let mortgage options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Predictable annual rate band
- Lending range to £2.5 million
- Buy-to-let property focus
Need to know
- Investor-focused product only
- Property type restrictions apply
- Not for owner-occupier deals
Expert take
A specialist buy-to-let finance provider with transparent pricing. For a £750,000 investment property mortgage, Offa's tight rate band removes much of the guesswork — just confirm the property type fits before proceeding.
Source:https://offa.co.uk/
Shire Leasing
Published loan range£5,000 to £750,000
Rate typeinterest 4% to 11% monthly
Overview: Shire Leasing's commercial mortgage product caps at £750,000, placing this enquiry at the top of its range. Monthly rates from 4% reflect the short-to-medium-term nature of its secured lending. Borrowers needing exactly this amount will want certainty the lender can commit its full facility — early engagement is wise.
Best next step: Check Shire Leasing commercial mortgage availability
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Commercial mortgage from £5,000
- Secured term loan options
- Revenue-linked repayment possible
Need to know
- £750,000 is maximum lending
- Monthly rate structure applies
- Early engagement recommended
Expert take
A versatile secured lender whose commercial mortgage ceiling lands exactly at the £750,000 mark. The fit works mathematically — verifying appetite at the top of the range before a full application is the prudent move.
Shireassetfinance
Published loan range£5,000 to £750,000
Rate typeinterest 4.5% to 12% monthly
Overview: Monthly-rate commercial mortgages from Shireassetfinance suit borrowers who prefer a shorter commitment on a £750,000 facility. Rates run from 4.5% to 12% monthly, and the product caps at £750,000. The speed is notable — decisions in as little as four hours — but verifying appetite at the ceiling should be step one.
Best next step: Compare Shireassetfinance commercial mortgage rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Four-hour decision turnaround
- Commercial mortgage specialists
- Secured lending to £750,000
Need to know
- Maximum loan is £750,000
- Monthly interest rates apply
- Confirm capacity at ceiling
Expert take
A responsive secured lender with unusually fast decision times. Shireassetfinance offers speed few rivals match on a commercial mortgage of this size, with the caveat that ceiling-level availability should be confirmed early.
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: MT Finance lends from £50,000 to £10 million, giving a £750,000 commercial mortgage substantial headroom on either side. Monthly rates start at 0.89% for property-backed and bridging facilities. The model is short-term and exit-driven — borrowers should have a clear repayment or refinance plan in place before drawing down.
Best next step: See MT Finance bridging and commercial mortgage rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lending range to £10 million
- Monthly rates from 0.89%
- Property-backed bridging specialist
Need to know
- Short-term exit required
- Property valuation mandatory
- Bridging fees may apply
Expert take
A substantial bridging lender with deep pockets for commercial property deals. The rate structure is competitive and the lending ceiling gives a £750,000 mortgage ample headroom — the short-term model simply demands a credible exit from day one.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
Loan-to-value ratios when borrowing £750,000 against commercial property
LTV determines how much deposit or equity you need. At the £750,000 level, lenders on this list offer LTVs ranging from 70% to 100%. Brightstar publishes up to 100% LTV, meaning you could potentially secure a £750,000 mortgage with no additional cash deposit if your property carries sufficient value. Offa lends up to 80% LTV, while both One Stop Business Finance and Inhale Capital cap LTV at 75%. MT Finance sits at 70%.
With a 75% LTV deal, you would need £250,000 in equity or deposit on a £1 million property. At 70%, the deposit requirement rises to roughly £321,000. Higher LTVs reduce upfront cash demands but typically come with stricter underwriting. Lenders will commission an independent valuation, and the lower of purchase price or valuation usually sets the lending limit.
Interest rate options for a £750,000 commercial mortgage
Rates vary sharply across the lenders on this list, and the structure makes a meaningful difference at the £750,000 level. Several specialist lenders quote monthly rates. MT Finance publishes rates from 0.89% to 1.05% per month, while Inhale Capital sits between 1.05% and 1.3% per month. One Stop Business Finance ranges from 1.6% to 3% per month. Shire Leasing and Shireassetfinance publish rates from 4% and 4.5% per month respectively, rising to 11% and 12% per month at the upper end.
Annual-rate lenders include Brightstar at 5% to 12% per year, and NatWest and Virgin Money at 4.5% to 10.5% per year. Offa quotes 5.9% to 7.5% per year, while Barclays ranges from 8.5% to 14.9% per year. Always convert monthly and annual rates to the same basis when comparing. A 1% monthly rate compounds to more than 12% per year, so direct comparison requires care.
Eligibility and lender requirements for a £750,000 commercial mortgage
At this loan size, lenders assess both the property and the borrower. The property must generate sufficient income or hold enough value to service the debt. For trading businesses, NatWest requires a minimum turnover of £300,000. Virgin Money asks for at least one year of trading history.
Personal guarantees are common at this level. One Stop Business Finance, Inhale Capital, Brightstar, NatWest, and Virgin Money all require them. This means directors take personal liability if the business defaults, so it is worth understanding the implications before signing.
Most lenders on this list do not require homeownership as a condition. One Stop Business Finance and Inhale Capital explicitly confirm this. Card payment terminals are not needed either. Borrowers should prepare a property schedule, income projections, and asset and liability statements before approaching lenders at this level.
Short-term versus long-term commercial mortgages at the £750,000 level
Lenders on this list split into two broad camps: short-term bridging-style facilities and long-term commercial mortgages. Your choice at £750,000 affects monthly cost, flexibility, and exit strategy.
Short-term lenders include One Stop Business Finance and Inhale Capital, both offering terms from 3 to 18 months, and MT Finance, which lends from 1 month up to 2 years. These suit buyers who plan to refurbish, refinance onto a longer-term product, or sell within a short window. Rates are quoted monthly and exit fees may apply.
Long-term lenders include NatWest and Barclays, both offering terms from 1 to 25 years, and Virgin Money, which extends up to 20 years. These suit owner-occupiers and investors holding for income. Repayments spread over the full term, reducing monthly pressure. Shire Leasing and Shireassetfinance sit between the two, offering terms from 3 months to 6 years at monthly rates.
