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Top 10 Lenders to Secure a £800,000 Commercial Mortgage in 2026
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Top £800,000 Commercial Mortgage Lenders Compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Property investors needing flexible commercial mortgages on mid-value premises | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | SME buyers wanting fast commercial mortgage funding for property purchases | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | Investors comparing annual-rate commercial mortgages with accessible entry points | From £50,000 | interest 5% to 12% annually |
| 4 | NatWest Bank | Established businesses seeking bank-backed commercial mortgages with wider term options | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 5 | Virgin Money | Trading businesses needing competitive rates on commercial property up to £10m | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | Barclays | Larger commercial property investors considering high-street bank mortgage options | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 7 | Offa | Buy-to-let investors comparing annual-rate products for commercial property purchases | £80,000 to £2,500,000 | interest 5.9% to 7.5% annually |
| 8 | Together Money | Property investors comparing monthly-rate lenders for larger commercial deals | £50,000 to £25,000,000 | interest 0.55% to 1.5% monthly |
| 9 | Admiral leasing | Business owners exploring entry-level commercial mortgage options from £1,000 | From £1,000 | interest 5.5% to 13.5% annually |
| 10 | MT Finance | Mid-market property investors seeking competitive monthly-rate commercial mortgages | £50,000 to £10,000,000 | interest 0.89% to 1.05% monthly |
A commercial mortgage is a secured loan used to buy, refinance, or develop business premises, with the property itself serving as collateral. For SME owners and commercial property investors, this structure frees up working capital while building long-term asset value. An £800,000 mortgage typically supports the purchase of a mid-sized office, retail unit, industrial space, or a small mixed-use investment property.
Choosing the right lender means looking past the headline rate to factors like loan-to-value caps, repayment term flexibility, and whether the rate is calculated monthly or annually, which can shift total cost significantly on a six-figure facility. Early repayment terms, arrangement fees, and the lender's experience with your property type also matter. Speed varies too: specialist lenders can turn around applications in days, while high-street banks may take weeks.
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: One Stop Business Finance structures commercial mortgages up to £3 million and can fund in around five working days. It lends against commercial property as either a term loan or a revolving facility, which is useful if you may need to draw additional capital later. The monthly interest rate model means costs compound more frequently than with an annual-rate lender.
Best next step: Compare monthly-rate options for your £800k mortgage
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds in around five working days
- Term or revolving facility options
- Lends up to £3 million
Need to know
- Monthly interest compounds more quickly
- Security and valuation required
- Personal guarantee may be needed
Expert take
A secured lender that blends term and revolving structures under one roof. For an £800,000 commercial mortgage, the speed and facility choice work in your favour, particularly if post-completion flexibility matters.
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, Inhale Capital is built for commercial property deals that cannot wait. It writes bridging and short-term secured loans, making it a practical route for an £800,000 purchase or refinance where chain timing is tight. Rates start at 1.05% monthly. The short-term structure means you will need a clear exit plan before completing.
Best next step: Check speed-focused bridging rates for £800k
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Same-day funding possible
- Short-term bridging structure
- Competitive monthly rates from 1.05%
Need to know
- Clear exit plan required
- Valuation and legal costs apply
- Short-term facility only
Expert take
A fast-moving bridging specialist that prioritises speed over long-term structuring. If your £800,000 commercial property deal needs completion within days rather than weeks, the turnaround time is the standout fit.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: Brightstar quotes annual interest rates starting at 5%, which can make costs easier to forecast on an £800,000 commercial mortgage compared with monthly-rate lenders. It funds bridging and secured property deals in as little as 24 hours. The minimum loan sits at £50,000. Valuation and legal costs apply as standard on secured property lending.
Best next step: Compare annual-rate bridging for £800k mortgage
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5%
- Funding in 24 hours
- Property-secured bridging available
Need to know
- Valuation and legal costs apply
- Exit strategy likely required
- Annual rate may rise with risk
Expert take
A bridging lender that prices on an annual basis, which is less common in the short-term market. For an £800,000 commercial mortgage, the annual rate structure gives you clearer cost visibility than monthly compounding.
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: NatWest is one of the few high-street banks writing commercial mortgages up to £10 million, and its annual rates begin around 4.5% for stronger applications. The bank processes property loans through its mainstream underwriting rather than a specialist desk, which can mean a smoother journey for standard cases. Underwriting is thorough and can take longer than alternative lenders.
Best next step: Check high-street bank rates for £800k
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- High-street bank security
- Annual rates from 4.5%
- Complementary business facilities available
Need to know
- Thorough underwriting takes time
- Strong trading history expected
- Personal guarantee may apply
Expert take
A mainstream clearing bank with deep commercial property experience. An £800,000 mortgage lands squarely in its core lending territory, where rate and relationship pricing can be sharper than the alternative market.
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 writes commercial mortgages from £30,000 to £10 million and layers invoice finance or revolving credit alongside the mortgage when needed. That bundling suits owner-occupied commercial property where the business trades from the premises. Annual rates start around 4.5%. Expect a full underwrite with affordability checks and asset valuation.
Best next step: Explore Virgin Money commercial mortgage rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 4.5%
- Invoice and revolving credit available
- Broad lending appetite to £10m
Need to know
- Full affordability checks required
- Valuation process is mandatory
- Longer timeline than non-bank lenders
Expert take
A retail bank with an appetite for owner-occupied commercial property. For a trading business with an £800,000 mortgage need, the ability to house working-capital facilities and the loan under one roof simplifies banking.
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: Specialist underwriting desks set Barclays apart from other high-street banks for commercial property lending. Its business mortgage product stretches to £25 million, and complex cases that struggle with standard criteria can reach decision-makers with sector knowledge. Annual rates run from 8.5% to 14.9%. Expect a full bank underwrite with valuation and legal processes.
Best next step: Check Barclays business mortgage rates today
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Specialist underwriting desks
- Lends up to £25 million
- Asset finance also available
Need to know
- Rates higher than some peers
- Full valuation required
- Longer bank underwrite expected
Expert take
A high-street bank with specialist capability for complex property cases. An £800,000 commercial mortgage that sits outside standard criteria can still reach underwriters who understand the deal rather than decline it outright.
Offa
Published loan range£80,000 to £2,500,000
Rate typeinterest 5.9% to 7.5% annually
Overview: Offa publishes annual rates between 5.9% and 7.5%, a relatively narrow band that suggests pricing discipline on property-secured lending. Its buy-to-let product covers commercial property investment up to £2.5 million. The lender advertises response times as fast as one hour. Confirm your asset qualifies before proceeding, as property type restrictions apply.
Best next step: Compare Offa buy-to-let rates for £800k
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5.9%
- Fast initial response
- Buy-to-let focus up to £2.5m
Need to know
- Property type restrictions apply
- Buy-to-let product only
- Valuation and legal costs extra
Expert take
A buy-to-let lender with a focused product range and transparent annual pricing. For an £800,000 commercial investment property, the narrow rate band removes some of the guesswork around where your pricing will land.
Source:https://offa.co.uk/
Together Money
Published loan range£50,000 to £25,000,000
Rate typeinterest 0.55% to 1.5% monthly
Overview: Few buy-to-let lenders match the £25 million ceiling Together Money brings to secured property lending. Monthly rates begin at 0.55%, and mid-range commercial mortgages like £800,000 tend to follow a more standardised underwriting path. The monthly compounding model means costs stack differently than with annual-rate lenders. A defined exit strategy is expected.
Best next step: Check Together Money buy-to-let mortgages
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lends up to £25 million
- Rates from 0.55% monthly
- Broad buy-to-let appetite
Need to know
- Monthly compounding increases cost
- Full valuation required
- Exit strategy may be needed
Expert take
A large-scale buy-to-let lender with the balance sheet to handle six-figure and seven-figure loans routinely. An £800,000 commercial property mortgage benefits from standardised mid-range underwriting where process is more predictable.
Source:https://togethermoney.com/
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Admiral leasing advertises a four-hour response window on commercial mortgage enquiries, which is fast for a secured property lender. Annual rates range from 5.5% to 13.5%, with pricing tied to the strength of the application and the property asset. It also writes asset finance and term loans. Secured lending requires a valuation and legal work.
Best next step: Compare Admiral leasing commercial mortgage rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Four-hour response window
- Annual rates from 5.5%
- Asset finance also available
Need to know
- Valuation and legal work required
- Rate depends on application strength
- Upper loan limit not confirmed
Expert take
A secured lender that competes on speed of response rather than depth of product range. For an £800,000 commercial mortgage, the fast initial answer can help you decide whether to proceed or pivot.
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: MT Finance keeps its monthly rate band tight at 0.89% to 1.05%, which limits uncertainty on where an £800,000 commercial bridge will price. It writes property-backed loans from £50,000 to £10 million and funds within 24 hours. The lender focuses squarely on bridging. Valuation and legal costs are part of the standard secured lending process.
Best next step: Compare MT Finance bridging rates now
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Tight rate band 0.89%–1.05%
- Funds within 24 hours
- Lends up to £10 million
Need to know
- Short-term bridging only
- Defined exit required
- Valuation and legal costs apply
Expert take
A bridging specialist with a disciplined approach to monthly pricing. For an £800,000 commercial property transaction, the narrow rate spread means fewer surprises between indicative and final pricing.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
Loan-to-value ratios for an £800,000 commercial mortgage
LTV determines how much you can borrow against a property's value. For an £800,000 commercial mortgage, the LTV ratio directly affects the deposit you need.
Brightstar stands out by offering up to 100% LTV on commercial mortgages, which could mean no deposit requirement in the right circumstances. Offa publishes a maximum LTV of 80%, meaning a £160,000 deposit on an £800,000 purchase at full LTV. One Stop Business Finance, Inhale Capital, and Together Money all work to a 75% LTV ceiling, requiring a £200,000 contribution at the limit. MT Finance caps LTV at 70%, equating to a £240,000 deposit.
The property type, location, and your trading history all influence the LTV a lender will offer. Lenders typically reserve higher LTVs for standard commercial property such as offices, retail units, and industrial warehouses. Specialist or semi-commercial property often attracts lower LTVs.
Interest rates on £800k commercial property loans
Monthly rates on specialist commercial mortgages range from 0.55% to 3% per month. Inhale Capital publishes rates from 1.05% to 1.3% per month, while MT Finance sits in the 0.89% to 1.05% per month band. Together Money starts at 0.55% per month and goes up to 1.5% per month. One Stop Business Finance quotes 1.6% to 3% per month.
Annual rates from high-street and mid-tier lenders tend to fall between 4.5% and 14.9% annually. NatWest Bank and Virgin Money both publish rates from 4.5% to 10.5% annually. Brightstar's rates run from 5% to 12% annually. Offa keeps a tighter band at 5.9% to 7.5% annually. Barclays sits higher at 8.5% to 14.9% annually, while Admiral leasing ranges from 5.5% to 13.5% annually.
On an £800,000 interest-only mortgage, a 1% monthly rate equates to £8,000 in monthly interest, while a 6% annual rate works out to £4,000 per month. Always check whether the rate is quoted per month or per year before comparing.
Eligibility for a commercial mortgage at the £800,000 level
Most commercial mortgage lenders at the £800,000 level require a personal guarantee from directors or shareholders. One Stop Business Finance, Inhale Capital, Brightstar, NatWest, and Virgin Money all list personal guarantees as a requirement.
Turnover thresholds vary. NatWest asks for a minimum annual turnover of £300,000, making it suited to established trading businesses. One Stop Business Finance publishes no minimum turnover requirement, which can help property investors who hold assets in a special purpose vehicle with limited trading history.
Trading history requirements also differ. Virgin Money expects at least one year of trading. One Stop Business Finance considers applicants from 0 months, provided the property and deposit stack up. Homeowner status is not a universal barrier. One Stop Business Finance and Inhale Capital both confirm they do not require applicants to be homeowners, which matters for limited company directors who do not own residential property personally.
Comparing commercial mortgage lenders for an £800k property investment
| Lender | Max LTV | Rate example | Max term |
|---|---|---|---|
| NatWest Bank | Not confirmed | 4.5%–10.5% annually | 25 years |
| Barclays | Not confirmed | 8.5%–14.9% annually | 25 years |
| Virgin Money | Not confirmed | 4.5%–10.5% annually | 20 years |
| Offa | 80% | 5.9%–7.5% annually | Not confirmed |
| MT Finance | 70% | 0.89%–1.05% monthly | 2 years |
NatWest and Barclays both offer terms up to 25 years, giving borrowers the longest repayment runway on this list. Virgin Money extends to 20 years. These longer terms suit owner-occupier businesses planning to hold property long term. On an £800,000 loan, extending the term from 15 to 25 years can substantially reduce monthly repayments, though total interest paid increases. Shorter-term specialist lenders target bridging and refurbishment scenarios. All lenders on this list use interest-based pricing, which is standard for commercial mortgages at this level.
