Indicative Rates
BoE Base3.75%
Nationwide2yr Fix3.59% 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70% 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00% 0.10£899 fee
Nationwide5yr Fix4.04% 0.03£999 fee
Nationwide2yr Fix3.59% 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70% 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00% 0.10£899 fee
Nationwide5yr Fix4.04% 0.03£999 fee
Nationwide2yr Fix3.59% 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70% 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00% 0.10£899 fee
Nationwide5yr Fix4.04% 0.03£999 fee
AVG 2YR4.53%
AVG 5YR4.94%
--:--:--60% LTV · Feb 2026

Specialist Mortgages

Commercial Mortgages

Expert commercial mortgage advice for businesses and investors in Derby and beyond. We source competitive finance for all types of commercial property.

Commercial rates are competitive right now. Lock in your deal before they change.

Commercial mortgage solutions

Whether you're looking to purchase business premises, refinance an existing commercial property, or fund a development project, our team has the expertise to find the right solution. Read our commercial mortgage guide for a comprehensive overview. We work with a wide panel of commercial lenders including high street banks, specialist commercial lenders, and private finance houses.

Types of commercial finance we arrange

  • Owner-occupied commercial mortgages — for businesses buying their own premises
  • Commercial investment mortgages — for purchasing commercial property to let
  • Semi-commercial/mixed-use — properties with both residential and commercial elements
  • Development finance — funding for ground-up developments or conversions
  • Bridging finance — short-term finance for commercial opportunities
  • Refinancingremortgage existing commercial property to better terms

Free Consultation

Get Your Commercial Mortgage Quote

We work with specialist commercial lenders to find the best deal for your business.

No upfront fees Whole of market FCA regulated

Property types we cover

We can source finance for a wide range of commercial property types including offices, retail units, industrial premises, warehouses, pubs and restaurants, hotels and B&Bs, care homes, GP surgeries, mixed-use buildings, and land with planning permission. Self-employed business owners looking for residential mortgages can also benefit from our specialist advice. See how our process works or check our case studies for examples of deals we've arranged.

Frequently Asked Questions

What is a commercial mortgage?
A commercial mortgage is a loan secured against a non-residential property such as offices, shops, warehouses, pubs, or mixed-use buildings. Terms, rates, and criteria differ significantly from residential mortgages.
How much deposit do I need for a commercial mortgage?
Commercial mortgages typically require a deposit of 25-40% of the property value, depending on the property type, your business financials, and the lender.
What types of commercial property can I finance?
We can help with offices, retail units, industrial units, warehouses, pubs and restaurants, care homes, mixed-use properties, land with planning permission, and development finance.
How long are commercial mortgage terms?
Commercial mortgage terms typically range from 3 to 25 years, with some lenders offering up to 30 years. The term depends on the property type, your age, and the lender.
Can I get a commercial mortgage for a new business?
While more challenging, some lenders will consider new businesses, particularly if you have relevant experience and can demonstrate a solid business plan. We'll find the right lender for your situation.
DT

Expert reviewed by

Davi Thakar

Director & Senior Mortgage Adviser · CeMAP, CeRER

This page was reviewed by Davi, a CeMAP-qualified mortgage adviser at Option Finance. All content is checked for accuracy and kept up to date.

Commercial Finance

Need commercial finance?

Get expert commercial mortgage advice tailored to your business needs.

Don't delay — commercial rates are competitive right now

5.0 Google Rating · FCA Regulated · No Upfront Fees