A commercial mortgage with a low deposit can be possible, but the amount you need depends on the property, lender, business finances, loan to value requirement and overall strength of the application. For many standard UK commercial mortgage cases, borrowers should expect to contribute around 25% or more, although some lenders currently advertise commercial mortgage lending at up to 80% LTV for eligible owner occupiers, meaning a deposit of 20% could be possible.
For example, a business purchasing a £500,000 commercial property with an 80% LTV mortgage could potentially borrow £400,000 and contribute £100,000 towards the purchase price. At 70% LTV, the same property would require £150,000 from the buyer.
The important point is that a low deposit does not simply depend on finding a lender that advertises a high LTV. The lender still needs to be satisfied with the property, the business, the borrower’s financial position and the way the mortgage will be repaid.
This is particularly important because commercial property finance is assessed differently from a typical residential mortgage. The lender may consider business turnover, profitability, cash flow, rental income, property value, property type, trading history and the borrower’s experience.
If you are considering buying an office, warehouse, shop, industrial unit or another commercial property but do not have a large deposit available, understanding how low deposit commercial mortgages work can help you establish what may be realistic before you make an offer.
What Is a Low Deposit Commercial Mortgage?
There is no universal definition of a low deposit commercial mortgage.
In the commercial property market, the deposit is normally discussed in relation to loan to value, or LTV.
LTV represents the percentage of the property’s value being funded by the mortgage.
For example:
| Property Value | Mortgage LTV | Mortgage Amount | Deposit |
| £300,000 | 70% | £210,000 | £90,000 |
| £300,000 | 75% | £225,000 | £75,000 |
| £300,000 | 80% | £240,000 | £60,000 |
| £500,000 | 70% | £350,000 | £150,000 |
| £500,000 | 75% | £375,000 | £125,000 |
| £500,000 | 80% | £400,000 | £100,000 |
| These are simple illustrations rather than mortgage offers. | |||
| The higher the LTV, the smaller the deposit required from the borrower. However, higher LTV lending is generally subject to more specific eligibility requirements. | |||
| The Commercial Mortgage Guy states that commercial mortgage borrowing is influenced by property value and type, rental income or business turnover, deposit size and the applicant’s financial profile and experience. |
How Low Can a Commercial Mortgage Deposit Be?
For a standard commercial mortgage, a deposit of around 25% is a useful starting point for many borrowers.
This corresponds to a 75% LTV mortgage.
However, current lender criteria show that some eligible owner occupied businesses may be able to access up to 80% LTV, which would reduce the deposit to 20%. Allica Bank currently advertises up to 80% LTV for commercial owner occupied mortgages, while its commercial investment mortgage range advertises up to 75% LTV.
Other lenders may have lower maximum LTV limits depending on the property and borrower.
A September 2026 comparison of published lender criteria found maximum LTV figures ranging from around 55% to 80% across different commercial mortgage segments, with property type, valuation basis and whether the business occupies the premises affecting the amount available.
This means there is no single answer to the question, “What is the minimum deposit for a commercial mortgage?”
Instead, the more useful question is:
What is the highest LTV a suitable lender may offer for this particular property and borrower?
That distinction can make a significant difference to the amount of cash you need.
Can You Get a Commercial Mortgage With a 20% Deposit?
Potentially, yes.
A 20% deposit corresponds to an 80% LTV mortgage.
Some lenders currently advertise up to 80% LTV for eligible owner occupied commercial mortgages. Allica Bank, for example, publishes a maximum LTV of 80% for its commercial owner occupied mortgage product.
However, this does not mean every business can borrow 80% of a property’s value.
The lender may require:
- A suitable commercial property
- Sufficient trading history
- Strong financial accounts
- Sustainable affordability
- Suitable business experience
- Acceptable property valuation
- Appropriate credit history
- Sufficient repayment capacity
Allica currently states that its commercial mortgage applicants generally need two full years of financial accounts and must meet its business and geographic eligibility requirements.
Therefore, a 20% deposit may be possible in the right circumstances, but it should not be treated as a standard minimum deposit.
Can You Get a Commercial Mortgage With a 15% Deposit?
A 15% deposit would require a mortgage at approximately 85% LTV.
That is above the standard maximum advertised by many mainstream commercial mortgage lenders.
Some specialist cases can potentially achieve higher LTV lending, particularly where the borrower has strong professional income, additional security or a property that presents lower perceived risk.
However, high LTV commercial lending is much more case specific.
For a normal business buying a standard office, warehouse, shop or industrial unit, it is generally more realistic to plan around a larger deposit and then establish whether a higher LTV option is available.
A recent UK commercial mortgage comparison found standard published maximums varying significantly between lenders and property types, with some owner occupied cases reaching 80% and some specialist situations going beyond standard market levels.
The key is not to base a purchase decision on an exceptional lending scenario before the lender has assessed the case.
Can You Get a Commercial Mortgage With a 10% Deposit?
A 10% deposit would require 90% LTV finance.
For a standard commercial property purchase, this is not a typical borrowing structure.
Some specialist commercial lending arrangements can reach higher LTV levels, but these may involve particular professions, additional security or specialist circumstances rather than ordinary commercial mortgage lending.
If you only have 10% of the purchase price available, it is worth discussing the complete transaction before assuming that a conventional commercial mortgage is the right solution.
There may be other ways to structure the funding, including additional security or a combination of finance facilities, depending on the transaction.
What Deposit Do You Normally Need for a Commercial Mortgage?
For many commercial mortgage applications, planning around a deposit of approximately 25% to 40% provides a more realistic starting point than assuming that a 10% or 15% deposit will be sufficient.
The exact requirement depends heavily on the property and application.
For example, a standard owner occupied industrial unit with a strong trading business may be assessed differently from a specialist investment property with a short lease.
A current September 2026 commercial mortgage market review describes 25% to 40% as a broad deposit range, while noting that established owner occupiers can sometimes access higher LTV lending.
The Commercial Mortgage Guy’s own commercial mortgage service also notes that deposit size is one of the factors lenders consider and describes 25% or more as a typical deposit starting point.
Why Does the Property Matter So Much?
A commercial mortgage is secured against property, so the lender needs to understand the asset as well as the borrower.
The lender may consider:
- Property type
- Location
- Condition
- Market value
- Vacant possession value
- Rental potential
- Current occupancy
- Lease arrangements
- Planning position
- Demand from potential buyers or tenants
- How specialised the building is
A standard office or industrial unit may have a wider pool of potential buyers than a highly specialised property.
That can affect how a lender views the security.
A September 2026 review of lender criteria highlights an important point: lenders do not necessarily apply their LTV percentage to the figure a buyer has agreed to pay. Some lenders use particular valuation measures, including vacant possession value, and may use the lower of purchase price and valuation.
This can have a major effect on the deposit you actually need.
What Happens If the Property Is Valued Below the Purchase Price?
This is one of the most important issues to understand before relying on a low deposit.
Imagine you agree to buy a commercial property for £500,000.
You expect to use an 80% LTV mortgage.
You therefore expect:
Mortgage: £400,000
Deposit: £100,000
However, suppose the lender’s valuation comes back at £450,000.
If the lender applies 80% LTV to that valuation, the maximum mortgage would be:
£450,000 × 80% = £360,000.
You would then need to find:
£500,000 minus £360,000 = £140,000.
Your required contribution has increased from £100,000 to £140,000.
This is why buyers should avoid assuming that the advertised LTV automatically determines the amount they will receive.
The valuation, lender criteria and purchase price all need to work together.
Does a Bigger Deposit Always Mean a Better Mortgage?
Not necessarily, but a larger deposit can change the structure of the borrowing.
A larger deposit means a lower LTV.
For example:
- £100,000 deposit on a £500,000 property means 80% LTV
- £125,000 deposit means 75% LTV
- £150,000 deposit means 70% LTV
- £200,000 deposit means 60% LTV
A lower LTV can reduce the lender’s exposure to the property, although pricing and eligibility depend on the lender and transaction.
It may also make it easier to meet a lender’s risk requirements.
However, using every available pound as a deposit is not necessarily appropriate for a business.
You may need working capital after completion.
You may also need funds for refurbishment, equipment, professional fees, tax, insurance and unexpected costs.
The right deposit is therefore not simply the largest deposit you can produce.
It is the amount that allows the transaction to complete while leaving the business with sufficient financial resilience.
How Does Business Affordability Affect a Low Deposit Mortgage?
A low deposit is only one part of the application.
For an owner occupied commercial property, the lender may examine the financial performance of the business that will occupy the premises.
This can include:
- Turnover
- Net profit
- Cash flow
- Existing borrowing
- Business bank statements
- Management accounts
- Trading history
- Forecast performance
- Mortgage repayment capacity
A business with strong and consistent financial performance may present a different lending proposition from a company with volatile income.
This is why a business cannot simply calculate its deposit and assume that the corresponding mortgage will be available.
The lender needs to determine whether the proposed borrowing is sustainable.
How Does Rental Income Affect a Low Deposit Commercial Mortgage?
For a commercial investment property, rental income can be particularly important.
Suppose you want to buy a commercial unit for £600,000 and contribute £120,000.
That would mean a proposed mortgage of £480,000, or 80% LTV.
The lender may then ask whether the property’s rental income supports that level of borrowing.
It could consider:
- Current annual rent
- Lease length
- Tenant strength
- Rental payment history
- Vacancy risk
- Interest coverage
- Property value
- Investment experience
If the rental income does not provide sufficient coverage, the lender may offer a smaller mortgage even if the LTV appears acceptable.
For this reason, an investment property with a large deposit is not automatically easier to finance than an owner occupied property with a smaller deposit.
The income supporting the debt matters too.
Does Your Business Type Affect the Deposit Required?
Yes.
Commercial lenders do not treat every business and property in exactly the same way.
A professional practice, established manufacturer, retailer, restaurant operator and property investor can have very different lending characteristics.
Some lenders have specialist appetite for particular sectors.
For example, Allica Bank currently advertises commercial lending for businesses across sectors including manufacturing, retail, hospitality, logistics, food outlets, care homes and children’s day nurseries. (Allica Bank)
The strength of the business, its trading history and the nature of the property can all affect the available LTV.
This is one reason why a specialist commercial mortgage broker can be useful when a borrower has a smaller deposit.
Can First Time Commercial Property Buyers Get a Low Deposit Mortgage?
Potentially.
Being a first time commercial property buyer does not automatically prevent you from obtaining a commercial mortgage.
However, lenders may want to understand your experience and the strength of your overall application.
For an established business buying its first premises, the lender may have several years of accounts to review.
For a newly established business, there may be less financial history.
In that situation, the lender may place greater emphasis on:
- Directors’ experience
- Deposit
- Business plan
- Property suitability
- Forecast income
- Existing assets
- Personal financial position
- Industry experience
A first time buyer should therefore focus on presenting the complete transaction rather than simply asking which lender accepts first time buyers.
Can a New Business Get a Commercial Mortgage With a Low Deposit?
It can be more challenging, but it is not necessarily impossible.
A new company may have limited accounts, which makes it harder for a lender to assess historical performance.
The lender may instead consider the people behind the company and the proposed business model.
For example, imagine an experienced director has worked in the same industry for fifteen years and launches a new limited company.
The new company wants to buy its first premises.
Although the company itself has limited trading history, the director may have relevant experience and a clear business plan.
A lender may consider those circumstances as part of its assessment.
However, each lender has its own criteria.
The less trading history you have, the more important it can become to identify lenders that are comfortable with the overall proposition.
Can Additional Security Help You Get a Lower Deposit?
Potentially, yes.
If you do not have enough cash to meet the deposit requirement, another property or asset may sometimes provide additional security.
The structure depends on the lender and transaction.
For example, suppose a company wants to purchase a £500,000 commercial property but only has £75,000 available.
A 75% LTV mortgage would provide £375,000, leaving a £125,000 shortfall.
If the borrower owns another property with sufficient available equity, a lender may potentially consider additional security as part of the overall structure.
This does not mean the lender will automatically provide the missing amount.
The additional property would need to be acceptable security and the overall borrowing would still need to meet the lender’s criteria.
Additional security can also create additional risk for the borrower because more assets may be exposed to the lender’s security arrangements.
Professional legal and financial advice is important before using this structure.
Can You Use Equity From Another Property Instead of Cash?
Potentially.
Existing equity can sometimes help a borrower structure commercial property finance where the cash deposit is limited.
For example, a business owner may own another property with a relatively low outstanding mortgage.
If that property has sufficient equity, a lender may consider it as additional security.
This can reduce the amount of cash needed for the new purchase in certain circumstances.
However, the important distinction is that equity is not the same as free cash.
Using property equity as security creates obligations against that property.
The lender will assess the value, existing borrowing and suitability of the additional security.
Can You Use a Gifted Deposit?
Whether a gifted deposit is acceptable depends on the lender and transaction.
Commercial lenders can have different requirements around the source of deposit funds.
They may need evidence showing where the money has come from and whether there are any conditions attached to it.
If the deposit comes from a family member, investor or another company, do not assume that every lender will treat it in the same way.
Discuss the source of funds early so that the proposed structure is acceptable before you proceed too far with the purchase.
Can a Limited Company Get a Low Deposit Commercial Mortgage?
Yes, potentially.
A limited company can apply for commercial mortgage finance where the property and transaction meet lender criteria.
The company may be buying premises for its own business or acquiring commercial property as an investment.
Lenders can assess:
- Company accounts
- Business performance
- Directors
- Property value
- Deposit
- Existing borrowing
- Rental income
- Loan to value
- Personal guarantees
The Commercial Mortgage Guy explains that a company can potentially purchase commercial property using commercial mortgage finance, with lenders assessing the company, property and proposed borrowing.
If you are considering this route, our guide on Can You Get a Commercial Mortgage to Buy a Property Through a Company? provides more detail on company ownership, lender requirements and personal guarantees.
What Types of Property Can You Buy With a Low Deposit?
The property type can make a significant difference.
Offices
An office used by an established business may be suitable for owner occupied commercial mortgage finance.
Industrial Units
Warehouses and industrial units can be suitable where the property and business meet lender criteria.
Retail Units
Shops can be financed through commercial mortgages, although the lender may assess location, tenant demand and trading characteristics.
Mixed Use Property
A property combining commercial and residential elements may require semi commercial finance rather than a standard commercial mortgage.
The Commercial Mortgage Guy explains that semi commercial mortgages can be used for mixed use properties and that lender assessment can consider both residential and commercial income streams.
If your purchase involves a shop with flats above, a mixed use building or another property with both residential and commercial elements, you can explore the site’s semi commercial mortgage options.
Investment Property
Commercial investment property is generally assessed with particular attention to rental income and the strength of the investment.
Specialist Property
Hotels, care homes, restaurants and other specialist properties can require more specific lender expertise and may attract different LTV requirements.
Does Property Location Affect the Deposit?
It can.
Commercial lenders consider the marketability and location of the security.
A property in a strong commercial location with clear demand may present a different lending proposition from a highly unusual building in a limited market.
This does not mean that properties outside major cities automatically require larger deposits.
Instead, the lender considers the individual property and its likely resale or letting prospects.
For businesses in Reading, Slough, Berkshire and surrounding areas, local property conditions may form part of the wider assessment.
The Commercial Mortgage Guy has dedicated commercial mortgage resources for commercial mortgage services in Reading and other UK locations.
What Credit Score Do You Need for a Low Deposit Commercial Mortgage?
There is no single credit score that guarantees approval.
Commercial mortgage lenders can look at the wider financial picture rather than relying on one score.
They may examine:
- Business credit history
- Director credit history
- Existing borrowing
- Payment history
- County Court Judgments where relevant
- Defaults
- Previous financial difficulties
- Bank conduct
A previous credit problem does not necessarily mean that commercial mortgage finance is impossible.
However, it can reduce the number of lenders willing to consider the case or affect the terms available.
The earlier the credit position is discussed, the easier it can be to identify realistic finance options.
Does a Low Deposit Mean a Higher Commercial Mortgage Rate?
Not automatically, but LTV can be one of the factors influencing pricing.
A lender taking a larger percentage of the property’s value may view the transaction differently from a lower LTV loan.
Other factors can also affect pricing, including:
- Property type
- Borrower strength
- Business performance
- Loan size
- Term
- Repayment structure
- Credit history
- Rental income
- Overall lender risk
It is therefore important to compare the total cost of the mortgage rather than focusing only on the headline interest rate.
A lower deposit can preserve cash for the business, but it can also mean greater borrowing and potentially higher monthly repayments.
What Are the Risks of Using a Low Deposit?
A low deposit can help a business preserve working capital, but it increases the amount borrowed.
For example:
At 70% LTV on a £500,000 property:
Mortgage: £350,000
Deposit: £150,000
At 80% LTV:
Mortgage: £400,000
Deposit: £100,000
The second option keeps £50,000 in the business.
However, the mortgage is £50,000 larger.
If interest rates, operating costs or business circumstances change, the higher debt level may create greater pressure on cash flow.
A low deposit should therefore be considered as part of the overall business plan rather than treated as an automatic advantage.
What Costs Do You Need Besides the Deposit?
One of the most common mistakes is calculating the deposit but forgetting the other purchase costs.
Depending on the transaction, you may need to budget for:
Valuation Fees
A commercial property valuation may be required by the lender.
Legal Fees
Solicitors are usually involved in both the property purchase and mortgage documentation.
Arrangement Fees
The lender may charge an arrangement or facility fee.
Stamp Duty Land Tax
For property in England and Northern Ireland, SDLT may apply depending on the transaction and property value.
Different property tax rules apply in Scotland and Wales.
Surveys
A commercial property may require additional surveys or specialist reports.
Insurance
Buildings insurance and other relevant cover may be required.
Business Costs
Moving premises, fitting out a building, purchasing equipment or adapting the property can also require capital.
The cash requirement for the purchase should therefore be calculated as:
Deposit + purchase costs + mortgage costs + immediate property costs + working capital reserve.
Practical Example: Buying a £400,000 Commercial Property With a 20% Deposit
Imagine an established company wants to purchase an office for £400,000.
The company has £80,000 available for the deposit.
At 80% LTV:
Property price: £400,000
Deposit: £80,000
Mortgage: £320,000
The company would still need additional funds for professional fees, valuation, legal costs, taxes where applicable and any immediate property works.
The lender would also need to be satisfied that the company can support the proposed mortgage.
The 20% deposit therefore solves only one part of the funding requirement.
Practical Example: When a 25% Deposit Is More Realistic
Now imagine another company wants to buy a £600,000 industrial unit.
The company has £150,000 available.
That represents a 25% deposit.
The proposed mortgage would be £450,000.
This creates a 75% LTV structure.
If the lender accepts the property, valuation and business finances, the transaction could potentially fit within the published LTV range of some commercial mortgage lenders.
Current lender information shows that 75% LTV is common across a number of commercial mortgage products, although individual lender criteria vary. Practical Example: When a 30% Deposit May Be Needed
Consider a £750,000 specialist commercial property.
The buyer has £225,000 available.
That is a 30% deposit and means the proposed mortgage would be £525,000.
The LTV would be 70%.
A 70% LTV may be more appropriate if the property is unusual, the lender has a lower maximum LTV for the property type or the borrower wants to reduce leverage.
A larger deposit may also provide greater flexibility if the valuation comes in below the expected purchase price.
How Can You Improve Your Chances of Getting a Low Deposit Commercial Mortgage?
If your goal is to minimise the cash deposit, preparation becomes particularly important.
1. Prepare Your Accounts
Make sure company accounts, management information and bank statements are accurate and up to date.
2. Understand Your Borrowing Requirement
Know exactly how much you want to borrow and what the monthly repayment could mean for the business.
3. Check the Property Before Making an Offer
Understand the property’s condition, use, lease position and likely valuation.
4. Keep Your Credit Position Clear
Review existing financial commitments and identify any historic issues before making an application.
5. Explain the Business Plan
If the property is being purchased for your own business, explain how the premises support the company’s operations and future plans.
6. Prepare Evidence of Rental Income
For investment property, have tenancy agreements, rent schedules and other relevant information ready.
7. Consider the Whole Market
Commercial mortgage lenders can have very different criteria.
A lender that accepts one property type at 80% LTV may offer less on another.
The Commercial Mortgage Guy says it works across a wide panel of UK lenders, including specialist and niche providers, and highlights its ability to support cases involving complex income structures, unusual property types and limited trading history.
Should You Use a Commercial Mortgage Broker for a Low Deposit Case?
A broker can be particularly useful when your deposit is smaller because the available lender criteria may be narrower.
Instead of assuming that one bank’s criteria represent the entire market, a broker can assess the case against different lenders.
The process can include:
- Understanding the property
- Reviewing the deposit
- Assessing the business or investment income
- Identifying potentially suitable lenders
- Preparing the application
- Managing valuation and lender communication
- Supporting the transaction through to completion
The Commercial Mortgage Guy describes its process as an initial consultation, lender matching, decision in principle, full application, valuation and legal work, followed by offer and completion.
This can be useful when the application has several moving parts or when you need to understand whether a low deposit structure is realistic before committing to the purchase.
What Documents Should You Prepare?
Having the right information ready can make the process more efficient.
You may need:
- Latest company accounts
- Management accounts
- Business bank statements
- Personal financial information
- Details of existing borrowing
- Property particulars
- Purchase price
- Tenancy agreements
- Rental statements
- Business plan
- Cash flow forecasts
- Details of the deposit source
- Information about directors
The exact requirements vary between lenders.
If the deposit comes from property equity, a gift, another company or another source, evidence may be required to establish the source and terms of the funds.
Is a Low Deposit Commercial Mortgage Right for Your Business?
The answer depends on what you want the mortgage to achieve.
A lower deposit can preserve cash that could otherwise be used for:
- Working capital
- Stock
- Equipment
- Staff
- Refurbishment
- Expansion
- Emergency reserves
However, borrowing more means taking on more debt.
Before choosing a higher LTV mortgage, consider:
Can the business comfortably support the repayments?
Will enough cash remain after completion?
What happens if revenue falls temporarily?
Would a lower LTV provide greater financial resilience?
Does the property still make sense at the proposed borrowing level?
These questions are often more important than simply asking how small the deposit can be.
Frequently Asked Questions
Can I get a commercial mortgage with a 20% deposit?
Potentially. A 20% deposit corresponds to 80% LTV, and some lenders currently advertise up to 80% LTV for eligible owner occupied commercial mortgage applications.
What is the normal deposit for a commercial mortgage?
Many borrowers should plan around 25% to 40%, depending on the property and circumstances. Some eligible cases can access higher LTV lending.
Can I get a commercial mortgage with a 10% deposit?
A 10% deposit would require 90% LTV, which is not a typical structure for standard commercial mortgage lending. Specialist cases may differ, but they should not be assumed to be available.
Can I get a commercial mortgage with a 15% deposit?
A 15% deposit requires 85% LTV. This is above the standard maximum offered by many commercial lenders, although specialist cases may have different options.
Can a new business get a low deposit commercial mortgage?
Potentially. A new business may face more detailed underwriting because it has less trading history, but lender assessment can also consider directors’ experience, the property, deposit and business plan.
Does the property valuation affect my deposit?
Yes. If the lender values the property below the agreed purchase price and calculates LTV using that lower figure, you may need to contribute more cash.
Can I use another property as security instead of a larger cash deposit?
Potentially. Some lenders may consider additional security, but the property must be acceptable to the lender and the overall borrowing must still meet its criteria.
Can a limited company get a low deposit commercial mortgage?
Yes, potentially. A limited company can apply for commercial mortgage finance, with the lender assessing the company, property, borrowing requirement and repayment position.
Does a low deposit mean higher mortgage repayments?
Usually, borrowing more means a larger mortgage balance. The actual monthly payment depends on the interest rate, mortgage term and repayment structure.
Can I use equity from another property for the deposit?
Potentially. Existing equity may sometimes be used as additional security, subject to lender criteria and valuation.
Is 75% LTV common for commercial mortgages?
Yes. Current published lender criteria show 75% LTV as a common maximum across several commercial mortgage products, although the actual limit varies by lender, property type and borrower.
Can I borrow 80% on a commercial property?
Potentially. Some lenders advertise up to 80% LTV for eligible owner occupied commercial properties.
Final Thoughts
A commercial mortgage with a low deposit can be possible, but the definition of “low” depends on the transaction.
For many standard commercial mortgage applications, a deposit of around 25% or more is a sensible starting point. Some eligible owner occupied businesses may be able to access up to 80% LTV, meaning a 20% deposit could be possible.
Going beyond 80% LTV becomes increasingly case specific and may require specialist lending, additional security or a particular borrower and property profile.
The most important step is to assess the complete transaction rather than focusing only on the deposit. Property valuation, business affordability, rental income, property type, credit history, existing debt and the lender’s criteria can all influence the final mortgage.
If you are considering buying commercial premises but want to keep as much working capital as possible, The Commercial Mortgage Guy can assess your circumstances and help you understand which commercial mortgage routes may be available.
You can explore the commercial mortgage service or speak to the team about your proposed property, deposit and borrowing requirement. You can also visit the The Commercial Mortgage Guy website to discuss your requirements and request further guidance.
For businesses considering a mixed use property, the semi commercial mortgage service provides further information on financing properties that combine residential and commercial elements.
For an application where the deposit is limited, getting the borrowing structure assessed before making an offer can help you understand the likely cash requirement and avoid relying on an LTV that may not be available for the specific property.