Business owners planning to purchase commercial property need financing that sustains profitability over time. The right mortgage structure supports growth, manages cash flow, and reduces vulnerability to economic shifts. While some investors approach lenders directly, many achieve better results through experienced commercial mortgage brokers who secure access to wider lending panels and more competitive rates.
How Commercial Mortgages Work
A commercial mortgage lets a business borrow against property used for trade or investment. Lenders assess the property’s value, projected rental income, and the borrower’s financial profile before making an offer. In the UK, fixed rate commercial mortgages remain a preferred choice because they provide predictable repayments and long-term stability.
The evaluation below focuses on brokers with proven expertise, strong lender networks, and the ability to negotiate favourable fixed rate terms that align with each client’s business needs.
Why Broker Expertise Matters
Many commercial mortgage products fall outside the Financial Conduct Authority’s regulation, giving lenders more flexibility but also adding complexity for borrowers. A skilled broker simplifies this process, identifies suitable lenders, and structures deals that promote sustainable growth. Lenders typically review deposit size, often 25% to 40%, property type, valuation, and trading history before approving a loan.
Comparison Table: Top Commercial Mortgage Brokers for Stability
| Broker | Max LTV | Standout Feature |
|---|---|---|
| KIS Finance | Up to 75% (100% with security) | Broad lender panel with tailored long-term deals |
| John Charcol | Up to 75% (for commercial deals, via partner lenders) | 50+ years of experience and strong lender network |
| Fox Davidson | Up to 80% (in select cases/portfolios) | High LTV for owner-occupied finance |
| MFB | Up to 75% (typical for investment/commercial) | Specialist in complex and non-standard lending |
| Swoop | 70%–80% (depending on collateral and lender) | Fast tech-driven platform and high customer ratings |
1. KIS Finance
KIS Finance is right up there with the top commercial mortgage brokers in the UK. They’re a totally independent outfit that works with a huge network of high-street banks and private lenders to get the best deals for their clients. KIS Finance commercial mortgages give businesses access to tailored funding options that suit different investment goals and property types. With their expertise and a strong network of lenders, businesses can get their hands on some of the best, and longest, term mortgage options around
Loans start at £100,000 and can go right up to a whacking £250 million. Repayment terms can be from just 3 years to a full 30 years, with the option of either a variable rate or a fixed one. And on top of that you can lock in your fixed rate for up to 10 years, which is a godsend for any business looking to plan for the long haul.
KIS usually does loan-to-value ratios up to 75%, but if you’ve got enough security to offer they can even stump up a 100% loan. And the firm is more than just for owner-occupied properties, they also do buy-to-let, investment and even mixed-use developments.
What their clients really like about them is that they are super clear with their communication, are flexible when it comes to structures, and are 100% committed to securing deals that protect their cash flow and help them grow financially. And it’s this approach that means KIS delivers long-term solutions that are low on price and high on reliability.
Rating: 4.9
LinkedIn: https://www.linkedin.com/company/kis-finance/?originalSubdomain=uk
2. John Charcol
John Charcol has spent more than 50 years in the mortgage sector, offering clients stability and access to a large lender network. Its partnership with Propp, a specialist commercial broker, expands available loan products and increases flexibility in deal structuring.
Clients can secure fixed rate commercial mortgages from two years up to the full mortgage term, depending on their business strategy. The firm serves a wide range of borrowers, from owner-occupiers to commercial investors seeking refinancing. Common property types include offices, warehouses, and retail premises.
The application process usually takes 8 to 18 weeks, and interest rates typically range between 6% and 12%, based on loan complexity. Businesses that value experience and an extensive network often consider John Charcol a reliable choice for steady, professional guidance.
Rating: 4.9
LinkedIn: https://www.linkedin.com/company/johncharcol/?originalSubdomain=uk
3. Fox Davidson
Fox Davidson, based in Bristol, has earned recognition for its clear, client-focused service. The firm works with small and medium businesses as well as large corporations across multiple industries.
Minimum loan values start at £100,000, with loan-to-value ratios up to 80% for owner-occupied premises. Both fixed and variable rate options are available, and borrowers can choose between interest-only or capital repayment terms.
The broker’s strength lies in how it presents applications to lenders. This precision often results in quicker approvals and better terms. Fox Davidson also helps clients secure deals that feature no early repayment penalties or reduced arrangement fees when available.
The firm received the Financial Company of the Year award at the 2020 Bristol Property Awards, confirming its strong reputation for professionalism and results.
Rating: 4.8
LinkedIn: https://www.linkedin.com/company/foxdavidson/?originalSubdomain=uk
4. Mortgage Finance Brokers (MFB)
Mortgage Finance Brokers (MFB), formerly Mortgages for Business, rebranded in 2024 after over three decades of experience in commercial lending. The company helped establish the National Association of Commercial Finance Brokers (NACFB) and remains a trusted name in the industry.
MFB offers commercial mortgages, buy-to-let loans, and development finance. It handles complex property types such as HMOs, multi-unit freehold blocks, and holiday lets, providing solutions for clients who might not fit traditional lending criteria.
The firm’s team specializes in managing challenging financial scenarios, including cases involving unconventional income or credit issues. By maintaining strong relationships with lenders, MFB delivers stable, long-term financing strategies tailored to each borrower’s needs.
Rating: 5.0
LinkedIn: https://www.linkedin.com/company/mfbrokers/?originalSubdomain=uk
5. Swoop
Swoop burst into the commercial mortgage game in 2020 with a total overhaul of the lending process, one that completely flips the script on traditional mortgages. Their tech-driven model seriously simplifies the whole shebang. By marrying up smart automation with the expertise of experienced financial advisors, they’ve managed to deliver a speed and convenience that really sets them apart.
Businesses looking to apply for a commercial mortgage can do so with terms stretching out to as long as 30 years. They’ve also got fixed and variable rates on offer, and the deposit requirements usually come in at anywhere between 20% and 40% of the property’s value.
Swoop’s automated matching system does a genius job of pairing borrowers up with lenders that are a perfect fit for them, which really helps to cut down on delays and boost those approval rates. It’s this forward-thinking digital approach that really speaks to businesses that want a fast, transparent service that’s backed by people who really know their stuff.
Rating: 4.8
LinkedIn: https://www.linkedin.com/company/swoopfunding/?originalSubdomain=uk
Conclusion: Secure Your Future
A commercial mortgage broker plays a central role in shaping a company’s financial stability. Brokers expand access to lenders, negotiate competitive terms, and remove the guesswork from a complex process.
Among all the firms reviewed, KIS Finance stands out as the top choice for 2026. Its broad lender network, flexible loan structures, and commitment to long-term stability make it a trusted partner for both small businesses and large investors.
Working with an experienced broker transforms the challenge of financing into a well-planned strategy. A good broker acts as a steady guide, helping every business reach its financial destination with confidence.
Frequently Asked Questions (FAQ)
1. Why do commercial mortgage rates exceed residential rates?
Commercial loans carry more risk because lenders assess business performance and property income rather than personal income. This extra risk often leads to higher interest rates.
2. Can borrowers secure fixed rate commercial mortgages, and what does the fixed term mean?
Yes. A fixed rate commercial mortgage keeps the same interest rate for a set period, such as five or ten years. This helps businesses plan ahead and manage monthly budgets with certainty.
3. What deposit amount do lenders usually require?
Most lenders ask for a deposit between 20% and 40% of the property’s value. This results in a Loan-to-Value (LTV) ratio of up to 75%. Larger deposits often unlock better terms.
4. Are commercial mortgages regulated by the Financial Conduct Authority (FCA)?
Most are not. Since they are designed for business purposes, these loans fall outside FCA regulation. If more than 40% of the property is used for residential purposes, the mortgage becomes regulated.
5. How does a commercial mortgage broker strengthen long-term stability?
A broker connects businesses with the right lenders, negotiates favorable conditions, and structures loans that match long-term plans. Their expertise ensures that financing decisions support growth and reduce future risks.