Owner-occupied
You trade from the premises. Assessed largely on your business's financials and ability to service the debt. Usually the sharper pricing.
Coming soon
Commercial Mortgage Calculator
Estimate commercial mortgage costs, source live lender products and apply online.
Coming soonOwner-occupiedInvestment
Commercial mortgage calculator UK Live lender-uploaded products Owner-occupied & investment Specialist brokerage support Free to calculate & source
Whether you're buying premises to trade from or investing in commercial property to let, use the calculator to estimate your monthly payments and borrowing — then source the lenders who'll fund the deal.
Products are uploaded directly by lenders, so you're sourcing live, current commercial mortgage deals rather than out-of-date listings. Once you've run your figures, shortlist what fits and apply online. Your application is then handled by Dynamic Commercial Finance, our specialist brokerage team, who fact-find your case and submit it to the lender.
What is a commercial mortgage?
A commercial mortgage is a loan secured against property used for business — offices, retail units, industrial and warehouse space, or commercial property held as an investment. It's repaid over anything from a few years up to 25 years or more. There are two broad types:
Commercial investment
You let the property to business tenants. Assessed on the strength of the tenant, the lease terms and the rental income.
Because every commercial deal is individually underwritten, there's no "best-buy table" — the rate reflects the asset, the income and you.
How the calculator works
Enter the property value, deposit, interest rate and term, and the calculator estimates your monthly payments and total cost. Model different deposit levels to see the effect on your rate and borrowing.
The result is a guide, not a formal quote. Your final terms depend on the lender's assessment of the property, the income and your business — the live products you source reflect real appetite.
Commercial filters — real lender criteria
Every filter maps to how commercial lenders assess owner-occupied and investment cases.
Owner-occupied vs investment
Property type
LTV & deposit
DSCR / affordability
Lease term & covenants
Trading history
Business financials
Tenant strength
Interest-only vs repayment
Term (years)
Personal / Ltd / SPV
Specialist asset type
Explore related tools: semi-commercial, bridging, development, asset finance.
From calculation to completed application — one platform
Estimate
Model your costs with the calculator above.
Source
Browse commercial mortgage products uploaded directly by lenders.
Shortlist
Save the deals that fit, with no obligation to proceed.
Apply online
Submit through the platform when ready.
We handle the rest
Dynamic Commercial Finance fact-finds and submits your case to the lender.
Commercial mortgage rates and criteria in 2026
With the base rate at 3.75%, UK commercial mortgage rates in 2026 broadly range from about 4.5% to 9.5%:
- High-street banks — the lowest pricing, from roughly 4.5% to 6% for established businesses at 60% LTV or below.
- Challenger and specialist lenders — typically 6% to 9.5%, with more flexible criteria for complex cases.
Key criteria
- LTV — usually 65% to 75%, so expect a deposit of 25% to 40%. A bigger deposit means a better rate.
- Affordability (DSCR) — lenders typically want debt-service coverage of 125% to 150% — net income of 1.25 to 1.5 times the annual mortgage payment.
- Trading history — usually two years minimum, three preferred, for owner-occupied cases.
- Property type — standard offices, retail and industrial price keenest; specialist assets (hotels, care homes, HMOs) carry a premium. Arrangement fees typically add 1–2% of the loan.
Indicative rate ranges only — August 2026. Live lender-uploaded products are the source of truth.
Why use DyneSourcer for commercial mortgages?
Products uploaded by lenders
Live, current deals from high-street and specialist lenders.
Calculate, source, shortlist and apply in one place
The full journey for commercial mortgages — not just a cost estimate.
Specialist brokerage support
Dynamic Commercial Finance packages your financials, DSCR and tenant/lease details properly, often unlocking pricing you can't reach direct.
Owner-occupied and investment
Both routes side by side.
Commercial mortgage FAQs
Common questions about deposits, DSCR, owner-occupied vs investment and regulation.
How much deposit do I need for a commercial mortgage?
Usually 25% to 40%, giving an LTV of 65% to 75%. A larger deposit typically secures a better rate.
What happens after I apply?
Your application goes to Dynamic Commercial Finance, our specialist brokerage team, who fact-find your case and submit it to the lender.
What's the difference between owner-occupied and investment commercial mortgages?
Owner-occupied is for premises you trade from, assessed on your business financials. Investment is for property you let to business tenants, assessed on the tenant, lease and rental income.
What is DSCR and why does it matter?
Debt-service coverage ratio measures how comfortably your income covers the mortgage. Lenders typically want 125% to 150% — net income of 1.25 to 1.5 times the annual mortgage payment.
Are commercial mortgages regulated?
Commercial mortgages are generally unregulated business lending. Certain owner-occupier scenarios can be regulated — confirm which applies to you.
Calculate, source and apply — all in one place.
Model your commercial mortgage costs, source live products from UK lenders, shortlist and apply online. Dynamic Commercial Finance handles the rest.
Your property may be repossessed if you do not keep up repayments on your mortgage. Commercial mortgages are generally not regulated by the Financial Conduct Authority.
Dynesourcer Ltd is an IAR of Dynamic Commercial Finance Ltd. Products updated August 2026.