Independent ranking
Best UK commercial mortgage providers
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; typical decision times vary by product and lender and are stated in the ranking below.
Start here · What do you need?
Our commercial mortgage page already names Allica Bank, OakNorth, Aldermore, Shawbrook and Hampshire Trust Bank as the specialist lenders the matcher routes by deal type, ticket size, LTV and asset class. Redwood Bank adds a transparent, competitively priced £250k to £2.5m line for owner-occupier and professional BTL borrowers where the high street has stepped back. This FundBiz ranking assesses 6 UK lenders for "best uk commercial mortgage providers", weighting primarily on commercial-mortgage specialism (30%), ticket-size range (20%), transparency (20%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-08-03. Editorial by Best Business Loans Ltd (16833937).
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 3 August 2026
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SME term loan + commercial mortgage · £150k to £5m · 5 to 10 business days
Named on our commercial mortgage page; strong rate transparency and first-choice for £250k+ tickets.
Read full Allica Bank review → -
Asset finance, invoice finance, commercial mortgages · £25k to £5m · 5 to 10 business days
Named on our commercial mortgage page; strong commercial mortgage product for established Ltd companies.
Read full Aldermore review → -
Asset finance, commercial mortgages, bridging, development finance · £25k to £25m+ · 5 to 15 business days
Named on our commercial mortgage page; asset-backed and property-backed deals where mainstream banks decline on covenant.
Read full Hampshire Trust Bank review → -
SME commercial mortgage and term loan · £250k to £2.5m · 5 to 15 business days
Transparent pricing on £250k to £2.5m owner-occupier and professional BTL commercial mortgages.
Read full Redwood Bank review → -
SME term loan + bridging · £500k to £50m+ · 7 to 14 business days
Named on our commercial mortgage page; bespoke deals for £500k+ commercial real estate.
Read full OakNorth review → -
Term loans, asset finance, commercial property · £25k to £25m · 7 to 14 business days
Named on our commercial mortgage page; bespoke SME commercial property deals £500k+.
Read full Shawbrook Bank review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Allica Bank | From 7.99% APR | £150k to £5m | 5 to 10 business days | Named on our commercial mortgage page; strong rate transparency and... |
| Aldermore | From 7.5% APR equivalent | £25k to £5m | 5 to 10 business days | Named on our commercial mortgage page; strong commercial mortgage product for... |
| Hampshire Trust Bank | Bespoke, quoted at offer | £25k to £25m+ | 5 to 15 business days | Named on our commercial mortgage page; asset-backed and property-backed deals... |
| Redwood Bank | From 7.5% APR | £250k to £2.5m | 5 to 15 business days | Transparent pricing on £250k to £2.5m owner-occupier and professional BTL... |
| OakNorth | Bespoke | £500k to £50m+ | 7 to 14 business days | Named on our commercial mortgage page; bespoke deals for £500k+ commercial real... |
| Shawbrook Bank | Bespoke | £25k to £25m | 7 to 14 business days | Named on our commercial mortgage page; bespoke SME commercial property deals... |
What is the best UK commercial mortgage provider?
Allica Bank, Aldermore, Hampshire Trust Bank, Redwood Bank, OakNorth and Shawbrook are named on our commercial mortgage page, routed by deal type, ticket size, LTV and asset class. Allica Bank offers the cleanest rate transparency on the panel.
What is a commercial mortgage and who is it for?
A loan secured against a commercial property, either owner-occupied (buying the premises your business trades from) or investment (buying to let commercially). Terms typically run 10 to 25 years, unlike the short-term structure of a bridging loan.
What does a UK commercial mortgage cost?
Allica Bank and Redwood Bank both price from around 7.5% to 7.99% APR. Aldermore prices from 7.5% APR equivalent. Hampshire Trust Bank, OakNorth and Shawbrook all quote bespoke, case by case.
How fast does a UK commercial mortgage complete?
Allica Bank, Aldermore, Hampshire Trust Bank and Redwood Bank all typically decide in 5 to 15 business days. OakNorth and Shawbrook, for larger bespoke deals, take 7 to 14 business days.
What commercial mortgage cases get declined?
Sub-£150k tickets fall below most of this panel's floor. Sub-2-year trading, an unclear valuation basis, and weak affordability against rental or trading income are the most common reasons a case stalls.
How we ranked these
We weight commercial-mortgage specialism (30%), ticket-size range (20%), transparency (20%), decision speed (15%), post-decline acceptance (15%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK commercial mortgage providers":
- Commercial-mortgage specialism30%
- Ticket-size range20%
- Transparency20%
- Decision speed15%
- Post-decline acceptance15%
Read the full methodology for how we score and rank every lender on the FundBiz panel.
Also considered
- Paragon Bank (commercial property £500k+)
- HSBC business banking (clean owner-occupier deals on smaller tickets)
Not for
Sub-£150k tickets, most panel commercial-mortgage lenders will not engage; applicants needing a decision this week.
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-08-03. Editorial by Best Business Loans Ltd (16833937).