Independent ranking
Best Commercial Mortgage Lenders UK: Who Lends What
Independent UK lender rankings from desk research, post-decline options included. FundBiz does not run a credit check. 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 specialist lenders, each with its own fit 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 commercial mortgage lenders uk: who lends what", 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. Lenders don't pay for inclusion or rankings. If you send an enquiry, we pass it to a business finance broker, who pays us a fixed fee; you pay nothing.
Source: FundBiz methodology. 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 guides and lender reviews.
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SME term loan, asset finance + commercial mortgage · £25k to £150k (business loans); up to £15m (commercial mortgages) · Money in days on business loans; longer for larger facilities
Named on our commercial mortgage page; commercial mortgages of £150k to £15m at up to 80% loan to value (Allica's own figures).
Our assessment: Transparency: top tier.
Read full Allica Bank review → -
Asset finance, invoice finance, commercial mortgages · Not published for asset or invoice finance; commercial real estate loans of £3m to £100m (its own figures) · Not published
Named on our commercial mortgage page; strong commercial mortgage product for established Ltd companies.
Our assessment: Transparency: strong.
Read full Aldermore review → -
Asset finance, commercial mortgages, bridging, development finance · Not published · Not published (its bridging target is three weeks from application to completion)
Named on our commercial mortgage page; asset-backed and property-backed deals where mainstream banks decline on covenant.
Our assessment: Transparency: strong.
Read full Hampshire Trust Bank review → -
SME commercial mortgage and term loan · £250k to £10m (£6.5m maximum per single asset) · Not published
Transparent pricing on £250k to £10m owner-occupier and professional BTL commercial mortgages.
Our assessment: Transparency: strong.
Read full Redwood Bank review → -
SME term loan + bridging · £1m to tens of millions · Typically funds within weeks (OakNorth's own wording)
Named on our commercial mortgage page; bespoke deals from £1m on commercial real estate.
Our assessment: Transparency: average.
Read full OakNorth review → -
Term loans, asset finance, commercial property · Not published as one range; specialist business lending facilities from £1m (its own figures) · Not published
Named on our commercial mortgage page; bespoke SME commercial property deals £500k+.
Our assessment: Transparency: average.
Read full Shawbrook Bank review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Allica Bank | Business loans 9.90% to 13.75% interest; other products quoted per deal | £25k to £150k (business loans); up to £15m (commercial mortgages) | Money in days on business loans; longer for larger facilities | Established Ltd companies with three or more years of filed accounts |
| Aldermore | Quoted per deal (not published) | Not published for asset or invoice finance; commercial real estate loans of £3m to £100m (its own figures) | Not published | Established Ltds wanting asset finance or invoice finance with a real bank |
| Hampshire Trust Bank | Bespoke, quoted at offer | Not published | Not published (its bridging target is three weeks from application to completion) | Asset-backed and property-backed deals |
| Redwood Bank | Commercial fixed rates from 6.34%; variable from base rate plus 3.89% (its own figures) | £250k to £10m (£6.5m maximum per single asset) | Not published | Commercial mortgages £250k to £2.5m |
| OakNorth | Bespoke | £1m to tens of millions | Typically funds within weeks (OakNorth's own wording) | £1m+ tickets backed by clear acquisition, growth or property story |
| Shawbrook Bank | Bespoke | Not published as one range; specialist business lending facilities from £1m (its own figures) | Not published | £500k+ commercial property |
Sources: each lender's own published product pages: Allica Bank · Aldermore · Hampshire Trust Bank · Redwood Bank · OakNorth · Shawbrook Bank. Figures change; confirm with the lender before you rely on one.
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, each with its own fit by deal type, ticket size, LTV and asset class. Allica Bank offers the cleanest rate transparency of these lenders.
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?
As recorded in our lender reviews: Allica Bank: business loans 9.90% to 13.75% interest; other products quoted per deal. Aldermore: quoted per deal (not published). Hampshire Trust Bank: bespoke, quoted at offer. Redwood Bank: commercial fixed rates from 6.34%; variable from base rate plus 3.89% (its own figures). OakNorth: bespoke. Shawbrook Bank: bespoke. Lenders price each case individually, so confirm the cost on a real quote.
How fast does a UK commercial mortgage complete?
As recorded in our lender reviews: Allica Bank: money in days on business loans; longer for larger facilities. Aldermore: not published. Hampshire Trust Bank: not published (its bridging target is three weeks from application to completion). Redwood Bank: not published. OakNorth: typically funds within weeks (OakNorth's own wording). Shawbrook Bank: not published. Timings are the lenders' own or typical figures and depend on how complete your application is.
What commercial mortgage cases get declined?
Sub-£150k tickets fall below the minimum of most lenders on this list. 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 Commercial Mortgage Lenders UK: Who Lends What":
- Commercial-mortgage specialism30%
- Ticket-size range20%
- Transparency20%
- Decision speed15%
- Post-decline acceptance15%
Read the full methodology for how we score and rank the lenders we review.
Also considered
- Paragon Bank (commercial property £500k+)
- HSBC business banking (clean owner-occupier deals on smaller tickets)
Not for
Sub-£150k tickets, which most of these commercial-mortgage lenders won't engage with; applicants needing a decision this week.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Editorial by Best Business Loans Ltd (16833937).