Identifying the best commercial mortgage lenders in the UK requires a clear understanding of underwriting appetite, deal structure flexibility, and sector expertise. As specialist brokers, we assess lenders based purely on their commercial mortgage capability, ensuring the right fit for each transaction.
Below are our top 5 commercial mortgage lenders for 2026, with a focus on their core strengths in commercial property finance.
1. InterBay
InterBay are particularly helpful for commercial investment lending, particularly for borrowers buying or remortgaging investment property.
Core strengths:
- Specialist focus on commercial investment mortgages
- Strong appetite for semi-commercial and mixed-use properties
- Bespoke underwriting suited to complex cases
2. Together
Together supports borrowers who fall outside traditional criteria. Their commercial mortgage offering is particularly strong where there is complexity around property, borrower profile, or transaction structure, making them a key lender for challenging deals.
Core strengths:
- Flexible underwriting for complex commercial property transactions
- Strong appetite across owner-occupied and investment assets
- Ability to structure loans for non-standard property types
- Consistent delivery on time-sensitive commercial mortgage deals
3. Allica Bank
Allica Bank specialises in funding commercial cases where the applicant is buying a property to run their own business from. Their commercial mortgage products are suited to owner-occupiers with strong financials, offering a tailored and structured approach. Allica also offer a strong investment proposition.
Core strengths:
Targeted support for Small to Medium Enterprises (SMEs) purchasing or refinancing business premises.
- Competitive terms for owner-occupied commercial mortgages
- Relationship-driven underwriting tailored to trading businesses
- Clear criteria aligned to established, profitable companies
4. Shawbrook Bank
Shawbrook offers flexible lending against properties that require a deeper understanding of niche sectors. Their commercial mortgage offering is particularly suited to specialist properties, where traditional lenders may lack appetite.
Core strengths:
- Broad lending appetite across specialist commercial property sectors
- Experience financing non-standard use classes
- Ability to structure commercial mortgages for complex property income streams
5. MT Finance
MT Finance lending supports investors with complex borrowing profiles. They will consider applicants with some types of adverse credit.
Core strengths:
- Ability to support transitional commercial assets
- Supports a broad range of property types/industry sectors
- Flexible structuring for refinance onto term commercial mortgages
There are many other lenders in the marketplace, with criteria that may be more appropriate for your particular needs. This can differ if you are buying for investment only, or as an owner-occupier, where you will be running your own business from the premises.
To understand which lender offers you the most cost effective outcome and fits with your needs and circumstances, speak to our specialist commercial advisors by calling on the freephone number above, or by requesting a call-back.