Lender directory
UK commercial mortgage lenders
UK lenders publishing criteria for commercial mortgages: long-term property finance for owner-occupier business premises or commercial investment property. Each detail page summarises typical loan size, LTV bands, accepted property types and trading-history expectations.
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
UK lenders tracked (4)
Listed A-Z. Not a ranking or recommendation.
- ME
Metro Bank
Commercial Mortgage · Business Credit Card
Metro Bank is a UK high-street challenger bank providing SME loans, invoice finance and asset finance alongside business banking.
Amount: Commercial mortgage up to £5m at 85% LTV
See lender profile - NA
NatWest
Invoice Finance · Commercial Mortgage · Business Credit Card
NatWest is a UK high-street bank offering SME term loans, overdrafts, commercial mortgages and asset finance (via Lombard).
Amount: Standard card: turnover up to £2m; OneCard £2m+
See lender profile - RE
Redwood Bank
Commercial Mortgage
Redwood Bank is a UK specialist bank focused on commercial mortgages and business savings for SMEs and property investors.
Amount: £250k–£10m
See lender profile - SH
Shawbrook
Commercial Mortgage
Shawbrook Bank is a UK specialist SME bank offering asset finance, structured finance, property and bridging loans.
Amount: £150k–£35m; trading range £150k–£1.25m
See lender profile
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
How to use this directory
The directory is built for research, not for ranking lenders against each other. Two lenders covering the same theme can take very different views on trading history, sector risk, security and personal guarantees. Open each lender's profile to read the eligibility breakdown by product, including common blockers, typical repayment structure and speed to funding.
Lendrly does not act as a regulated credit broker. We do not submit applications on your behalf and we do not earn commission per lender click. Provider information is summarised from publicly available material and may not be exhaustive. Where details are not publicly disclosed, the lender's page will say so rather than guess.
Related guides and directories
Frequently asked questions
- What deposit is typical for a UK commercial mortgage?
- UK commercial mortgage lenders typically publish maximum LTVs of 65-75% for owner-occupier and 70-75% for commercial investment, meaning a 25-35% deposit. Some specialist lenders go higher for strong covenants — see each lender's published criteria.
- Do commercial mortgages require trading accounts?
- Owner-occupier mortgages usually require 2-3 years of filed accounts demonstrating debt-service coverage. Investment mortgages weigh rental cover (typically 130-160% ICR) more than trading accounts. Each lender's detail page summarises its published documentation list.
- How are lenders listed on this page?
- Lenders appear in alphabetical order. This is not a ranking or a recommendation. Every lender is summarised from its publicly published criteria and may have other products outside this page's scope — see each lender's detail page for the full picture.
- Does appearing on this page mean approval is likely?
- No. Final terms, pricing and approval are subject to each lender's underwriting, affordability checks, credit assessment and documentation. Lendrly summarises published eligibility signals only; it cannot predict any individual application outcome.
- Is Lendrly a regulated credit broker?
- No. Lendrly is an independent education-first guide to UK SME finance. We do not submit applications, do not earn commission per lender click, and do not act as a regulated credit broker. Always confirm criteria, pricing and product availability directly with the lender before applying.
See which of these lenders may fit your business
Run the eligibility checker to compare your business profile against published lender criteria. Educational guidance only — not a quote and not a guarantee of approval.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.