Specialist Commercial Mortgage Brokers

Thinking of buying or refinancing a commercial property? Our commercial mortgage brokers in Dorset and Hampshire search 100+ lenders to find you the best deal.

5-Star Commercial Mortgages Service

Borrow from £5k to £1m

Help with complex cases

Market-leading commercial rates

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Grow with a Commercial Mortgage

Every business needs room to grow—literally and financially. Whether you're expanding your company, snapping up new premises, or developing a site for investment, a commercial mortgage can help you build your future on solid ground.

At Delta Mortgages, we get that no two businesses are the same—so why settle for a one-size-fits-all loan?

Our mortgage brokers search 100+ lenders to find the right deal for you, whether you’re after a business mortgage in Dorset, commercial property finance in Hampshire, or investment property loans in Bournemouth.

Our commercial mortgage brokers are not here to waste your time with loans that don’t fit your business. We’ll handle the fine print, negotiate great rates, and translate lender-speak into plain English. Because your focus should be on growing your business—not figuring out Loan-to-Value (LTV) ratios and interest rate fluctuations.

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What are Commercial Mortgages?

A commercial mortgage, sometimes called a business mortgage, is a loan secured against a property that’s used for business purposes rather than as your home. Whether you're buying business premises, investing in commercial property, or securing land for development, this type of mortgage helps you spread the cost over a medium-to-long-term period—often up to 25 years.

Unlike residential mortgages, there’s no off-the-shelf product for commercial borrowing—every deal is tailored to your business’s needs, the type of property, and your financial situation. That’s where a specialist commercial mortgage broker (hello, that’s us!) comes in. We search the whole market to find a lender that matches your goals, so you get a deal that works for you—not just one that works for the bank.

If you've ever had a residential mortgage, you’ll recognise some of the basics—borrow money, repay it over time, and avoid missing payments to keep your property secure. But commercial mortgages come with their own set of rules.

Here’s what to expect:

Deposits tend to be larger – Typically between 25-50%, depending on the lender, the sector your business operates in and property type.

Loan-to-value (LTV) ratios – Commercial mortgage lenders typically offer up to 80% loan-to-value (LTV), though this varies based on business finances, property type, and lender criteria. For example, some businesses like dentists and pharmacists can borrow up to 100% depending on the proposal.

Interest-only or capital repayment – Some lenders allow interest-only payments for a period before switching to full repayment.

Tailored repayment rates – Unlike residential mortgages, rates are based on your business’s financial position and risk profile.

Switching from a business loan – Many companies refinance their short-term business loans into a long-term commercial mortgage for better repayment terms.

And if you’re looking to buy commercial property as an investment for rental income rather than your own business, you’ll need a commercial buy-to-let mortgage. In this case, how much you can borrow is based on the rental income the property is expected to generate—usually capped at 65% of the property’s value.
Not all commercial mortgages are built the same—just like businesses, they come in different shapes and sizes to suit different needs. Whether you’re buying your own premises or investing in commercial property, the right mortgage helps you move forward with confidence.

Owner-Occupier Commercial Mortgage – Perfect for businesses looking to buy and trade from their own premises. Since you’ll be using the space yourself, lenders tend to offer better interest rates than standard business loans. This means you can build long-term stability without worrying about landlords hiking up the rent.

Commercial Investment Mortgage – If your goal is to rent out commercial property for profit, this is your go-to mortgage. Also known as a commercial buy-to-let mortgage, it’s ideal for growing a property portfolio. Your borrowing power will depend on the property’s rental income potential, with most lenders offering up to 65% of the property’s value.

Commercial mortgages aren’t off-the-shelf products—they’re tailored to your business needs. That’s why working with an independent commercial mortgage broker (like us) makes all the difference. We compare lenders, negotiate rates, and keep the process stress-free—so you can focus on what matters most: running your business.
Nobody likes unexpected costs, so let’s break down the key fees you’ll need to budget for when taking out a commercial mortgage.

Valuation Fees - Before approving your loan, the lender will send a valuer to assess the property’s market worth. Unlike a quick residential valuation, they’ll factor in rental potential, commercial demand, and overall marketability. As a result, valuation fees start from around £500, but this varies depending on the property’s complexity.

Arrangement Fees - Lenders charge an arrangement fee to set up the loan. This usually falls between 0.75% and 2% of the total mortgage amount. You can either pay this upfront or roll it into your loan (though bear in mind this means you’ll pay interest on it). Some lenders require this fee to cover admin and underwriting costs, so always check the small print.

Legal Fees - Both you and your lender will need legal representation, so solicitor costs will vary. Expect fees to start from a few hundred pounds, but more complex commercial transactions (like multi-unit properties or mixed-use spaces) may cost more. And if you need a solicitor to talk to, we can point you to a few of our trusted lawyers.

Commercial Mortgage Broker Fees - A commercial mortgage broker typically charges around 1% of the loan value. While that’s an extra cost, it’s often money well spent. A good broker will save you time, unlock better deals, and improve your chances of approval—especially if your circumstances are a little out of the ordinary.

Commercial mortgages are an investment in your business’s future—but knowing the costs upfront means no surprises along the way.
Commercial mortgage rates aren’t plucked out of thin air—lenders assess several key factors before deciding what interest rate to offer you. The more risk they associate with your loan, the higher the rate is likely to be.

Here’s what affects commercial mortgage interest rates:

Loan Amount – Larger loans often come with steeper rates because they pose a higher risk to lenders.

Loan-to-Value (LTV) Ratio – The more you borrow compared to the property’s value, the higher the interest rate is likely to be. Lenders generally prefer LTVs below 75% for the best rates.

Financial Strength of Your Business – Lenders will assess your trading history, cash flow, and profitability before deciding on a rate.

Your Credit Profile – A strong credit history means better rates, while a patchy financial past could lead to higher interest or stricter terms.

Investment vs. Owner-Occupier Use – If you’re renting out the property, expect higher rates than if you’re using it for your own business. Lenders also look at the quality of your tenants and lease length when determining the rate.

Lender-Specific Pricing – Every lender has their own risk appetite, pricing structures, and underwriting criteria, meaning rates can vary significantly between providers.

Finding the best commercial mortgage rate isn’t about luck—it’s about knowing where to look and how to present your application in the best light. That’s where our specialist commercial mortgage brokers can make all the difference.
Much like residential mortgages, commercial mortgage rates come in two main flavours: fixed and variable. Which one is best for you depends on how much stability (or flexibility) you want.

Fixed-Rate Commercial Mortgages

A fixed-rate mortgage means your interest rate stays the same for a set period—typically between two years and the full mortgage term. The key benefit? Predictable monthly payments, making it easier to budget and protect your business from fluctuating market conditions.

Variable-Rate Commercial Mortgages

A variable rate means your interest can go up or down during the mortgage term, usually tracking a benchmark like the Bank of England Base Rate or the London Inter-Bank Offered Rate (LIBOR).

Pros
You might start with a lower rate than a fixed deal.
If interest rates fall, your repayments could decrease.
Cons
If rates rise, your monthly payments will increase.
Budgeting is trickier, as repayments can fluctuate.
Choosing between fixed and variable rates comes down to how much certainty you want. If you prefer a stable, predictable payment, fixed might be best. If you’re happy to take a calculated risk in exchange for potential savings, a variable rate could be worth considering.

If you’re not sure which is right for you we’ve got some lovely mortgage advisers that can help you compare commercial mortgage rates and find the best deal based on your business needs.
Deciding whether to fix your commercial mortgage rate comes down to your business priorities—are you looking for stability or are you comfortable with a little risk in exchange for potential savings?

A fixed-rate commercial mortgage locks in your interest rate for a set period, meaning predictable monthly repayments that help you budget with confidence. If you like knowing exactly what’s coming out each month—no nasty surprises—this could be the right choice.

A variable-rate commercial mortgage, on the other hand, moves with financial market conditions. This means your repayments could go down if interest rates drop (great news!), but they could also rise if the market shifts.

Fixed rates = Stability and peace of mind, but you may miss out on lower rates if market conditions improve.

Variable rates = Potentially lower costs upfront, but repayments could increase if interest rates rise.

Not sure which one to go for? Our commercial mortgage brokers can help you weigh up the pros and cons based on your business goals and risk appetite.
Commercial mortgage rates aren’t set in stone—they fluctuate based on lender appetite, market conditions, and the risk level of your application.

At the moment, commercial mortgage rates typically range from 6% to 12%, depending on:

The size of the loan (larger loans often carry higher interest rates).

Whether it’s for owner-occupation or a commercial buy-to-let (investment properties tend to have higher rates).

Your loan-to-value ratio (LTV)—the more you borrow compared to the property’s value, the riskier it is for lenders.

Because commercial mortgage rates change regularly, the best way to get an accurate, up-to-date quote is to speak with a specialist commercial mortgage broker (hello 👋🏼). We’ll compare lenders across the market to find the best rates and terms for your business.
A commercial mortgage could be the right choice if you’re looking to:

Buy business premises for your company – Own your workspace instead of paying rent, and build equity while you do it.

Invest in commercial property – Buy and let out a business property to generate rental income.

Expand your residential property portfolio – Purchase multi-unit freehold blocks to rent to tenants.

Consolidate commercial property loans – If you own multiple properties, refinancing under one mortgage could be a more cost-effective option.

If any of these sound like your next business move, we’re here to help. Our commercial mortgage brokers will guide you through the process, compare lenders, and ensure you’re getting a deal that makes sense for your business growth.
A commercial mortgage isn’t just for traditional office spaces—it covers a wide range of business and investment properties. If you’re looking to buy, develop, or refinance a commercial space, chances are you’ll need a business mortgage.

Properties that typically require commercial mortgage financing include:

Office buildings – From small business hubs to corporate headquarters.

Warehouses & industrial units – Ideal for logistics, manufacturing, or storage facilities.

Shops & shopping centres – Retail units, from independent boutiques to larger commercial outlets.

Care homes & nursing homes – Properties designed for residential care and healthcare services.

Medical practices – Including dentists' surgeries, doctors' surgeries, veterinary practices, and pharmacies.

Hotels & guest houses – From boutique stays to larger hospitality investments.

Agricultural land – Whether for farming, equestrian use, or rural business development.

Funeral parlours – A niche but important sector that requires specialist lending.

Whether you’re purchasing premises for your own business or investing in commercial property, securing the right mortgage ensures you’re getting the best financing structure for your goals.
Ah, the million-pound question—quite literally in some cases! Finding the right commercial mortgage depends on several factors, including:

How you’ll use the property – Are you running your business from it, or is it an investment?

Your deposit & loan term – How much capital you can put down and how long you need to repay.

The financial stability of your business – Lenders will assess your business income, credit history, and cash flow before approving a loan.

Market conditions & interest rates – Choosing between fixed or variable rates could impact affordability.

Rather than spending hours trawling through mortgage deals, it helps to speak with a commercial mortgage broker who can compare business mortgage rates across high street banks, private lenders, and specialist providers.

At Delta Mortgages, we take a tailored approach—understanding your needs, presenting the best options, and helping you navigate the process. No endless forms, no hidden fees—just clear, independent mortgage advice to help you make the right decision.
Applying for a commercial mortgage isn’t quite as simple as getting a residential loan—lenders see business mortgages as higher risk, which means stricter checks and more paperwork. But that’s where we come in.

At Delta Mortgages, we make the process as smooth and stress-free as possible, guiding you through the criteria and making sure your application ticks all the right boxes.
Lenders want to see that your business is financially stable and that the property you’re buying makes good commercial sense. To apply, you’ll need:

A fully completed application form – Yes, paperwork is inevitable, but we’ll help you get it right.

Proof of identity, income, and address – Standard checks to verify who you are.

Assets and liabilities statement – Lenders want a full picture of your financial health.

At least two months of bank statements – To assess cash flow and spending habits.

Three years of certified financial accounts – The more solid your accounts, the stronger your application.

Property details – A breakdown of what you’re buying, its location, and its intended use.

Lease or tenancy agreements – If you’re renting out the property, lenders will want to see proof of rental income.

A business plan – If you’re a newer business or looking to expand, a solid plan strengthens your case.

Navigating this list might seem overwhelming, but don’t worry—we’re here to help. We’ll make sure you have everything in order before submitting your application, maximising your chances of approval.

Why Should You Use a Commercial Mortgage Broker to Finance Your Property?

When it comes to commercial mortgages, high street lenders are just the tip of the iceberg. Many specialist lenders, private banks, and centralised lenders operate exclusively through brokers—meaning you won’t find their deals on the high street or comparison sites.

By working with an independent commercial mortgage broker, you get access to a wider range of lenders, giving you a better chance of securing the right deal at the most competitive rate.

At Delta Mortgages, our specialist commercial mortgage brokers can provide:

Whole market access – We compare high street lenders, private banks, and specialist providers.
Tailored solutions – Whether you’re buying, refinancing, or expanding, we match you with the best lender for your needs.
Portfolio financing – If you own multiple properties, we can explore financing them under one mortgage for a better overall rate.

Don’t limit your options—speak to a commercial mortgage broker today and find the best financing solution for your business.

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Our Commercial Mortgage Process

Taking out a commercial mortgage might not be an everyday occurrence for you, but for us, it’s what we do best. Our job is to make the process smooth, clear, and as stress-free as possible. Here’s what to expect, step by step.

2

Decision in Principle (DIP)

Once you’re happy with our recommendation, we’ll approach the lender to secure a Decision in Principle (DIP)—essentially, a conditional approval confirming they’re willing to lend, subject to final checks.

This means they’ve looked at your financials and the property details and, in principle, they’re happy to proceed—as long as everything checks out in underwriting and valuation.

3

Making an Offer or Refinancing

If you’re buying a property, you’re now in a strong position to make an offer with confidence. If you’re refinancing, this is when we finalise the terms with your lender and move forward with the application.

4

Pre-Application & Submission

Now it’s time to get everything in order. We’ll send you a list of documents the lender requires—bank statements, financial accounts, property details, and more.

You’ll also regularly deal with your commercial mortgage broker, who’ll make sure everything is properly prepared and certified before submission. Once we’ve packaged up your application, we’ll send it off to the lender for review.

5

Lender Underwriting & Property Valuation

Now the lender takes over. They’ll:

Review all submitted documents and verify your financial standing.
Assess the risk of lending to your business.
Order a professional property valuation to ensure it meets lending criteria.

Commercial property valuations tend to be a little more complex than residential ones, so this step can take anywhere from a few days to a couple of weeks.

6

Mortgage Offer Issued

If the lender is satisfied with everything, they’ll issue a formal mortgage offer (sometimes called a facility letter). We’ll receive a copy too, so we can guide you through the final steps.

7

Legal Work & Conveyancing

At this stage, your solicitor (or commercial conveyancer) takes over. They’ll:

Draft and review contracts.
Run necessary property searches.
Ensure all legal requirements are met before completion. It’s also worth noting that you will be liable for the lender’s legal fees.

💡 It’s also worth noting that you’ll be liable for the lender’s legal fees as well as your own. With commercial mortgages, this is standard practice—and lender-appointed solicitors will typically carry out their own legal due diligence on the deal. Factoring both sets of legal costs into your budget early on can make for a smoother, more predictable transaction.

If you’re buying a property, you’ll also need to arrange buildings insurance before contracts are exchanged—your lender will require this as part of the terms.

8

Exchange & Completion

If you’re buying, contracts are exchanged, your deposit is paid, and you’re now legally committed.

On completion day, the lender releases the funds, the property officially becomes yours, and—whether you’re buying or refinancing—your commercial mortgage journey is complete.

1

Meeting with a Commercial Mortgage Adviser

We’ll start with a conversation—either over the phone or face-to-face, whichever works best for you. Your adviser will ask about your business, the property you’re looking at, and your financial situation. Once they have all the details, they’ll get to work finding the most suitable commercial lender for your needs.

Expect a follow-up call where we’ll present our findings and talk through your options. Depending on your situation, a few more discussions may be needed to get everything lined up properly.

Want to talk commercial mortgages?

Request a Call Back and let’s chat mortgages over a cuppa.

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Other Things to Consider When Taking Out a Commercial Land Mortgage

Commercial mortgages aren’t just about finding the best rate—there are a few key factors to think about before you commit. Lenders assess commercial mortgages differently to residential ones, which means higher deposits, stricter criteria, and more paperwork. But with the right guidance, securing a commercial mortgage in Dorset, Hampshire, or beyond can be straightforward and stress-free.

Unlike residential mortgages, where deposits can start from 5-10%, commercial mortgages require a larger upfront investment—typically between 25% and 50% of the property’s value.

This is because lenders see business mortgages as higher risk, and a larger deposit gives them more security. So before moving forward, make sure you can comfortably afford both the deposit and the monthly repayments—otherwise, you could end up stretching your business finances too thin.
A poor credit history doesn’t mean you can’t get a commercial mortgage, but it does mean lenders will look a little closer at your application.

If your credit score is less than ideal, lenders will want to know:

Why your credit history isn’t perfect—was it a temporary setback, or an ongoing issue?

What steps you’ve taken to improve your financial position.

Whether you can offer a larger deposit to offset the risk.

You may be offered higher interest rates, but a specialist broker can help you find lenders who take a more flexible approach.
New businesses often face tougher lending criteria because lenders prefer to see at least two to three years of trading history.

If your business is still in its early stages, there are still options available, but you may need to:

Provide a personal guarantee to reassure the lender.

Accept a lower loan-to-value (LTV) ratio—meaning you’ll need a larger deposit.

Submit a strong business plan outlining your financial projections and long-term strategy.

If you’re unsure whether your business is ready for a mortgage, we can help you assess your options and prepare your application for the best possible chance of success.
A commercial mortgage is a secured loan, which means the property acts as collateral. If you keep up with repayments, no problem. But if your business struggles and repayments are missed, the lender has the right to take ownership of the property to recover their money.

This isn’t about putting you off—just making sure you go in fully informed. A well-planned mortgage should be a stepping stone for business growth, not a financial burden.

Ready to apply for your commercial mortgage?

At Delta Mortgages, we search the whole market to find the best deal for your business. Let’s get started. Find the Best Commercial Mortgage for Your Business Today.

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Frequently Asked Questions for Commercial Mortgages

There’s a lot to think about when it comes to commercial mortgages, and we know that the finer details can get a bit overwhelming. Whether you’re buying business premises, investing in commercial property, or refinancing an existing loan, we’ve rounded up the most common commercial mortgage questions to help make things clearer.

Still got questions? No problem—our commercial mortgage brokers are just a call or a click away.

While both involve borrowing money to buy property, commercial mortgages differ from residential mortgages in several ways:

Property use – A commercial mortgage is for business purposes, whereas a residential mortgage is for personal occupation.

Lender assessment – Commercial mortgage applications are assessed manually based on business finances, assets, and trading history.

Interest rates – Typically higher than residential mortgages, as commercial loans are seen as higher risk.

Application process – More complex and usually takes longer—often 8–18 weeks from start to finish.

Decision in Principle (DIP) – Unlike residential mortgages, commercial DIPs are usually verbal rather than formal written agreements.
Commercial mortgage terms vary but typically range from 5 to 25 years, with five-year terms being the most common. If you need short-term financing, options like bridging loans or commercial development finance may be better suited.
Most lenders require a minimum deposit of 25%, but in many cases, businesses put down more—typically between 25% and 40%.

The exact amount depends on:

The type of property.

Whether the mortgage is for owner-occupation or investment purposes.

The financial strength of the business.
Many lenders prefer businesses with at least two years of trading history, but there are options for newer businesses. You may need to:

Provide a personal guarantee.

Accept a lower loan-to-value (LTV) ratio, meaning a larger deposit.

Submit a detailed business plan with strong financial projections.

If you’re a startup, working with a commercial mortgage broker can help you find lenders who are open to newer businesses.
Yes, but expect lenders to:

Offer higher interest rates to offset the risk.

Require a larger deposit.

Ask for detailed financial documents to assess your current financial standing.

While bad credit can make securing a mortgage more challenging, there are specialist lenders who cater to businesses in this position.
In most cases, yes—especially if:

Your business is less than three years old.

You’re buying property for investment purposes.

The lender wants reassurance about your ability to repay the loan.

A strong business plan can improve your chances of approval by showing the lender your growth strategy, financial stability, and risk management approach.
Only if it’s classified as mixed-use (e.g. a shop with a flat above it).

If more than 40% of the property is commercial, you’ll need a semi-commercial or commercial mortgage, as a residential mortgage won’t be an option.

If you’re considering living in part of a commercial property, check with lenders before applying.
No, residential mortgages are designed for homes, not business premises. Applying for a residential mortgage on a commercial property when you intend to use it for business purposes is considered fraud and could lead to repossessions or legal action.

If the property is part-commercial, part-residential, a semi-commercial mortgage is usually the best option.
Yes, but you’d first need to change the property’s classification from commercial to residential. This usually requires:

Planning permission from the local council.

A full assessment of the building’s suitability for residential use.

Approval from your lender, as they’ll want to reassess the loan based on the new property classification.

Once these steps are complete, you can apply for a residential mortgage.
Yes—many businesses remortgage to:

Secure a better interest rate.

Release equity for expansion, renovations, or new investments.

Consolidate existing debt.

If you’re considering remortgaging a commercial property, we can help compare the latest rates and options.
Yes—this is called cross-charging, where multiple properties are used as security for one commercial mortgage.

This option is common for:

Businesses with multiple trading locations.

Investors with several commercial units.

A cross-charge mortgage can help reduce costs and simplify repayments.
If you miss payments, lenders may:

Apply penalty charges.

Take legal action to recover the debt.

Repossess the property if payments are repeatedly missed.

If your business is struggling, it’s best to speak with your lender or commercial mortgage broker early to explore options like refinancing, extending loan terms, or renegotiating payment plans.

Thinking of Buying or Refinancing Commercial Property? Let’s Find the Right Mortgage for You

Whether you’re purchasing premises, investing in commercial property, or refinancing for better terms, securing the right commercial mortgage should be simple, stress-free, and tailored to your business needs.

At Delta Mortgages, our experienced commercial mortgage brokers in Dorset and Hampshire search the whole market to find the best deal.

Let’s take the hassle out of securing your commercial mortgage. Request a Call Back today.

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How Delta Mortgages Can Help You Secure the Best Commercial Mortgage

Securing a commercial mortgage is a big step for any business—whether you’re buying your first premises, expanding into a larger space, or refinancing for better terms. But navigating the mortgage market is where things can get complicated.

At Delta Mortgages, we make the process simple, stress-free, and tailored to your business needs.

Our commercial mortgage brokers in Dorset and Hampshire search the whole market—over 100 lenders—to find the best rates and solutions for you. We handle the paperwork, negotiations, and lender communications, so you can focus on growing your business while we take care of the hard part.

Here’s how we make Commercial Mortgages easy:

Whole of Market Access

We compare rates from high street banks, private lenders, and specialist commercial mortgage providers to find the best deal for you.

Tailored Business Advice

Whether you’re securing premises for your own business, investing in a commercial buy-to-let, or refinancing a portfolio, we’ll find the right mortgage for your goals.

A Smooth, Stress-Free Process

From your Decision in Principle to completion, we handle the admin, liaise with lenders, and ensure everything moves forward efficiently.

Deposit & Funding Options

Struggling to meet a lender’s deposit requirements? Need help structuring a deal? We’ll explore all the options to make your mortgage work for you.

Support Beyond the Commercial Mortgage

Need guidance on valuation reports, legal requirements, or refinancing strategies? We’re with you for the entire journey.

A commercial mortgage should be a stepping stone for business growth, not a headache. Let Delta Mortgages take the stress out of securing the right finance for your property.

Ready to move forward?

Speak to a commercial mortgage adviser today and let’s find the best deal for your business.

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Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.