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Top 10 Lenders for a £900,000 Commercial Mortgage in the UK (2026)
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Compare the top 10 lenders for a £900,000 commercial mortgage
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Established businesses seeking flexible commercial property finance up to £3m | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | Property investors needing fast commercial mortgage bridging solutions | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | Businesses seeking specialist advice for commercial property purchases | From £50,000 | interest 5% to 12% annually |
| 4 | NatWest Bank | Owner-occupied businesses with £300k turnover seeking bank mortgage terms | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 5 | Virgin Money | Established businesses with 12 months history seeking high-street terms | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | Barclays | Larger commercial property deals suited to Barclays’ broad lending appetite | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 7 | Offa | Buy-to-let investors seeking Sharia-compliant commercial property finance | £80,000 to £2,500,000 | interest 5.9% to 7.5% annually |
| 8 | Admiral leasing | Included for comparison; businesses exploring asset-backed commercial options | From £1,000 | interest 5.5% to 13.5% annually |
| 9 | Together Money | Specialist buy-to-let and semi-commercial property investors | £50,000 to £25,000,000 | interest 0.55% to 1.5% monthly |
| 10 | MT Finance | Short-term commercial property bridging with competitive monthly rates | £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 established businesses and property investors, this type of funding unlocks long-term capital at competitive rates while preserving working capital. At the £900,000 level, a commercial mortgage typically supports the acquisition of offices, retail units, industrial spaces or investment properties.
Comparing commercial mortgage lenders involves more than headline interest rates. Loan-to-value ratios, repayment term flexibility, and whether the lender specialises in owner-occupied or investment properties all shape the overall cost. At £900,000, arrangement fees, early repayment charges, and the lender’s appetite for your property type can significantly affect the deal structure.
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 from £100,000 to £3,000,000 across secured term loans and property-backed facilities, suiting commercial mortgage borrowers who want a lender that weighs the property asset alongside business performance. Useful for purchases and refinances where conventional bank criteria feel too narrow. Monthly interest pricing means costs are calculated differently to annual-rate mortgages, so compare total repayments carefully.
Best next step: Enquire about secured term and property-backed facilities.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Property and business strength assessed together
- Loan range covers mid to large deals
- Flexible use for purchase or refinance
Need to know
- Monthly interest, not annual rate pricing
- Personal guarantee may be required
- Legal and valuation costs apply
Expert take
A secured lending specialist that structures deals around the asset rather than rigid tick-box criteria. For a £900,000 commercial mortgage, its combined property-and-trading assessment suits established businesses with solid equity but uneven income patterns.
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 for property-backed deals, which suits commercial mortgage borrowers who need to move quickly on a purchase or refinance. Rates from 1.05% monthly keep short-term holding costs predictable. This is bridging-style lending, so it works best when you have a clear exit strategy, whether that is refinancing onto a term mortgage or selling the property.
Best next step: Explore fast property-backed funding options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Decisions within 24 hours
- Loans up to £2,000,000 available
- Short-term property funding specialist
Need to know
- Bridging-style, not a term mortgage
- Clear exit strategy needed
- Monthly interest from 1.05% applies
Expert take
A bridging lender built for speed, not long-term mortgage servicing. For a £900,000 commercial property deal, its quick underwriting makes it a strong option when auction deadlines or chain-break pressures demand funding within days rather than weeks.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: Annual rates from 5% make this a cost-competitive option for commercial mortgage borrowers comparing total borrowing costs. Lends from £50,000 upward, making larger property deals straightforward. Funding decisions can come through in 24 hours, which is unusually quick for a lender quoting annual rather than monthly rates. Suits established businesses and property investors seeking a balance of speed and conventional pricing.
Best next step: Compare annual-rate commercial mortgage options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5%
- Decisions often within 24 hours
- Lends from £50,000 upward
Need to know
- Property security required
- Exit and valuation costs apply
- Rates depend on loan to value
Expert take
A property-backed lender that blends bridging speed with annual pricing more typical of term mortgages. For a £900,000 commercial mortgage, this model helps investors who want conventional rate structures but cannot wait for bank timelines.
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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 commercial mortgage lender with rates from 4.5% annually and facilities reaching £10,000,000. Suits established businesses and property investors who value a familiar banking relationship and are comfortable with full underwriting. The process is more thorough than alternative lenders, but the rate upside can be meaningful on a term mortgage.
Best next step: Enquire about high-street 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 banking relationship
Need to know
- Full underwriting required
- Three years of accounts needed
- Slower than alternative lenders
Expert take
A mainstream clearing bank with deep commercial mortgage experience. For a £900,000 property purchase or refinance, its low-rate structure rewards borrowers with strong accounts, clean credit, and the patience to go through a full underwriting cycle.
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: Accepts applications from £30,000 and lends up to £10,000,000, with annual rates starting around 4.5%. This broad range suits commercial mortgage borrowers who want a high-street lender but may be purchasing smaller mixed-use or secondary properties as well as standard commercial units. Underwriting follows conventional bank standards, so prepared accounts and a clear affordability picture help the application move faster.
Best next step: Check Virgin Money commercial mortgage eligibility.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Rates from 4.5% annually
- Wide loan range up to £10m
- Mixed-use property lending
Need to know
- Standard bank underwriting applies
- Clean credit history expected
- Business accounts required
Expert take
A challenger bank with a genuine appetite for commercial property lending. Its £30,000 to £10,000,000 band covers the £900,000 mark comfortably, and its mixed-use appetite gives flexibility for properties that combine retail, office, or residential space.
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: Commercial mortgage lending up to £25,000,000, giving considerable headroom for portfolio purchases, large refinances, and multi-property deals. Annual rates range from 8.5% to 14.9%, which prices higher than some high-street peers but reflects a willingness to look at cases that fall outside standard prime criteria. Established businesses with a clear trading record and property security will find the underwriting rigorous but predictable.
Best next step: Explore Barclays business mortgage options.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lends up to £25,000,000
- Accepts non-prime cases
- Predictable bank underwriting
Need to know
- Rates start at 8.5% annually
- Rigorous affordability checks
- Property valuation required
Expert take
A tier-one bank whose commercial mortgage book extends beyond prime-only lending. At £900,000, borrowers access balance-sheet depth for large deals and a credit appetite that accommodates more complex profiles than many high-street rivals.
Offa
Published loan range£80,000 to £2,500,000
Rate typeinterest 5.9% to 7.5% annually
Overview: A property finance specialist offering Sharia-compliant buy-to-let and commercial facilities with annual rates between 5.9% and 7.5%. Lends from £80,000 to £2,500,000, covering mid-market commercial and investment property. Suits landlords and property companies seeking term finance without conventional interest. Underwriting is built around asset quality and rental coverage.
Best next step: Explore Sharia-compliant property finance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Rates from 5.9% annually
- Sharia-compliant structure
- Asset-focused underwriting
Need to know
- Maximum loan £2,500,000
- Property security required
- Rental coverage assessed
Expert take
A non-bank property lender whose Sharia-compliant model opens doors where conventional mortgage structures do not fit. For a £900,000 commercial or investment property, its asset-led approach keeps the focus on the property rather than exhaustive business scrutiny.
Source:https://offa.co.uk/
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Commercial mortgage facilities start from £1,000 and stretch upward, making this a practical choice for businesses that need a lender comfortable with both small and large property-backed deals. Annual rates run from 5.5% to 13.5%, tiered by risk and loan-to-value. Underwriting adapts to the deal rather than applying a rigid credit template.
Best next step: Enquire about Admiral commercial mortgage terms.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Facilities from £1,000 upward
- Annual rates from 5.5%
- Adaptable deal-size approach
Need to know
- Higher LTV means higher rate
- Security and valuation needed
- Business accounts assessed
Expert take
A lender whose broad deal-size appetite suggests flexible credit thinking rather than rigid box-ticking. For a £900,000 commercial mortgage, this adaptability helps when the property or business profile does not fit a standard template.
Together Money
Published loan range£50,000 to £25,000,000
Rate typeinterest 0.55% to 1.5% monthly
Overview: Monthly rates from 0.55% and a lending ceiling of £25,000,000 make this a versatile option for commercial mortgage borrowers who want specialist underwriting with the capacity for large property deals. Covers buy-to-let and commercial property across a wide risk spectrum. The monthly rate structure suits borrowers who plan to exit or refinance within a shorter timeframe and want clarity on holding costs.
Best next step: Check Together commercial and BTL mortgage rates.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Rates from 0.55% monthly
- Loans up to £25,000,000
- Wide risk appetite
Need to know
- Monthly, not annual pricing
- Exit or refinance plan needed
- Valuation and legal costs apply
Expert take
A specialist property lender with one of the widest risk appetites in the market. For a £900,000 commercial mortgage, its £25,000,000 ceiling gives ample scale, and its underwriting philosophy accommodates borrowers with imperfect credit or non-standard property types.
Source:https://togethermoney.com/
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: Funds property-backed deals within 24 hours, with monthly rates between 0.89% and 1.05% and lending from £50,000 to £10,000,000. Designed for commercial mortgage borrowers who need bridging-style speed on a purchase, auction buy, or refinance where timing is critical. The rate band is narrow, which suggests consistent pricing rather than wide risk-based swings. Works best with a clear repayment or exit plan.
Best next step: Explore fast property-backed funding with MT Finance.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding within 24 hours
- Lends up to £10,000,000
- Narrow, predictable rate band
Need to know
- Bridging-style, not term lending
- Clear exit strategy essential
- Monthly interest applies
Expert take
A bridging lender known for consistent pricing and fast execution. For a £900,000 commercial property deal, its narrow rate band removes the guesswork around pricing, and its 24-hour funding capability keeps auction and time-sensitive purchases on track.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
LTV Ratios Explained for a £900,000 Commercial Mortgage
For a £900,000 commercial mortgage, the loan-to-value ratio you can secure depends heavily on the lender and the property type. LTV determines how much deposit you need, so it directly affects the cash you must commit upfront.
On the higher end, Brightstar publishes LTVs up to 100%, meaning in some cases you may borrow the full property value. Offa offers up to 80% LTV on its buy-to-let product. Several specialist lenders, including One Stop Business Finance, Inhale Capital, and Together Money, cap LTV at 75%. MT Finance sits at 70%.
For a property valued around £1.2 million, a 75% LTV would deliver the £900,000 you need. A 70% LTV on a property worth roughly £1.3 million achieves the same result. The type of commercial property, its location, and its income yield all influence the LTV a lender will offer. Older properties or those with restricted use may attract lower LTVs even from flexible lenders.
Interest Rate Ranges on a £900,000 Commercial Mortgage
Interest rates on a £900,000 commercial mortgage vary widely between high-street banks and specialist lenders. Understanding where different lenders sit helps you gauge whether a quote is competitive.
Among the banks, NatWest and Virgin Money both publish rates from 4.5% to 10.5% per year. Barclays sits higher, with rates from 8.5% to 14.9% per year. Specialist lenders show a broader spread. Brightstar quotes 5% to 12% per year, while Admiral leasing ranges from 5.5% to 13.5% per year. Offa, focusing on buy-to-let, publishes a tighter band of 5.9% to 7.5% per year.
Short-term and bridging-style lenders quote monthly. Together Money publishes rates from 0.55% to 1.5% per month, MT Finance from 0.89% to 1.05% per month, and Inhale Capital from 1.05% to 1.3% per month. One Stop Business Finance ranges from 1.6% to 3% per month. These monthly-rate products tend to suit shorter terms and faster completions.
Your final rate will depend on property quality, your business profile, and the LTV you request.
Documents and Process for a £900,000 Commercial Mortgage Application
When you apply for a £900,000 commercial mortgage, lenders expect a thorough financial picture. At this loan size, the process is closer to a full underwrite than a streamlined application.
You will typically need to provide three years of filed business accounts, up-to-date management accounts, and bank statements covering the last six months. If the property is income-producing, expect to share tenancy schedules, lease agreements, and rental income projections. For owner-occupied premises, lenders will review your business trading history and profitability trends.
Personal financial statements and a detailed assets-and-liabilities declaration are standard for most applicants. Most lenders on this list require a personal guarantee, including One Stop Business Finance, Inhale Capital, Brightstar, NatWest, and Virgin Money.
A professional valuation of the property is almost always required, commissioned by the lender but paid for by you. Legal fees, arrangement fees, and valuation costs at this level can run into several thousand pounds, so budget for these alongside your deposit.
How to Improve Approval Odds on a £900,000 Commercial Mortgage
At £900,000, lenders scrutinise applications more closely than they would for smaller facilities. Preparing properly can make the difference between a yes and a no.
First, check you meet the basic thresholds. NatWest expects a minimum turnover of £300,000. Virgin Money requires at least one year of trading history. If your business is newer or smaller than these benchmarks, specialist lenders like One Stop Business Finance, which sets no minimum turnover or trading age, may be a better route.
A strong deposit strengthens your application significantly. Moving from a 70% LTV request to a 60% LTV request can unlock better rates and a wider choice of lenders. If you hold other property or business assets, be ready to discuss cross-collateralisation as a way to bridge any LTV gap.
Keep your business bank statements clean. Overdraft usage, missed payments, or erratic cash flow will raise questions. If you have outstanding director loans, explain them upfront. Finally, a clear business plan showing how the property supports revenue growth reassures underwriters that you can service a £900,000 commitment over the full term.
