Today’s Commercial Mortgage Rates
At Charleston Financial, we help you access the most competitive commercial mortgage rates available across the market. Whether you're buying premises for your business or investing in commercial property, we compare 100+ lenders to find the right deal for your goals.
- Rates starting from 5.75%
- Fixed and variable options available
- Interest-only and capital repayment terms
- Up to 75% loan-to-value (LTV)
- No upfront broker fees
- Fast in-principle decisions
Thanks again for arranging my commercial mortgage, if it was not for you the whole project would have come to a halt as no other broker or lender was interested. I know where to come next time.
What Affects Your Commercial Mortgage Rate?
Unlike residential mortgages, commercial mortgage rates aren’t listed on a public price comparison site. Rates are based on your individual circumstances and the property you’re financing.
Here are some of the main factors lenders consider:
- Loan-to-value (LTV) – Lower LTVs usually get better rates
- Property type – Retail, office, industrial, or specialist
- Borrower profile – Business trading history or SPV structure
- Repayment structure – Interest-only or full capital repayment
- Credit strength – Business or personal financials
- Tenancy – Vacant, owner-occupied, or let to third parties
Sample Commercial Mortgage Rates (Illustrative)
| Scenario | Rate (from) | LTV | Notes |
|---|---|---|---|
| Owner-Occupier Commercial Mortgage | 5.75% | Up to 75% | For businesses trading from premises |
| Investment Commercial Mortgage (Ltd Co) | 5.95% | Up to 70% | For tenanted property via SPV |
| Semi-Commercial / Mixed-Use Property | 6.15% | Up to 70% | E.g. shop with flat above |
| Specialist Property (e.g. care home) | 6.50%+ | Up to 65% | Based on business strength |
Why Compare Rates Through Charleston?
We’re not tied to one lender, we have whole of market access and work with over 400 across the UK, including:
- High street banks
- Challenger banks
- Niche commercial and bridging lenders
- Specialist providers for complex cases
This means we can secure lower rates, faster decisions, and better terms than going direct — especially for properties that fall outside standard lending criteria.
