5 Best commercial mortgage brokers in the UK in 2025

A commercial mortgage is a type of loan secured against property that’s used for business purposes. It allows companies to purchase premises, refinance existing ones, or raise capital using commercial property as collateral. Unlike residential mortgages, these loans are tailored to business needs, with terms ranging from three to thirty years. The borrowing amount typically depends on the property value, projected income, and the borrower’s financial profile. Interest rates can be fixed or variable, and lenders often expect a deposit of at least 25 percent. Many businesses prefer commercial mortgages because they provide long-term stability and potential tax benefits. Owning property can also be a strategic investment, offering capital growth and protection from future rent increases.

1. KIS Finance

Headquarters: Cullompton, UK
Loan Range: £100,000 – £250 million+
Loan-to-Value (LTV): Up to 75% (100% with additional security)
Repayment Terms: 3 – 30 years
Availability: 7 days a week, 8:00 – 22:00
Website: https://www.kisbridgingloans.co.uk

Telephone: 0800 644 6555

LinkedIn: https://www.linkedin.com/company/kis-finance

KIS Finance is one of the best UK-based commercial mortgage broker recognized for its transparent service and wide lender access. The firm works with high street banks, challenger lenders, and specialist funders to secure loans tailored to each client’s needs.

KIS arranges commercial mortgages for amounts between £100,000 and £250 million, with flexible terms of 3 to 30 years. Both interest-only and capital repayment options are available. The firm supports a wide client base, including sole traders, limited companies, and developers.

It is particularly effective in complex cases, including applications involving poor credit, mixed-use properties, or international borrowers. Portfolio purchases and refinancing deals are also part of its offering.

Key requirements and costs:

Trading history: 3 years of filed accounts + forecasts
Fees:
- Lender arrangement: 1–2%
- Broker fee: up to 1%
- Legal and valuation fees: variable

The process is consultative, with no high-pressure sales tactics. Clients receive full guidance throughout, from initial consultation to final funding. KIS Finance is widely regarded as one of the best options for securing large or complex commercial mortgages in the UK.

2. Newable

Headquarters: London, UK
Loan Range: Not publicly disclosed (broad SME and property scope)
Loan-to-Value (LTV): Variable, dependent on lender and project
Repayment Terms: Case-specific
Availability: Business hours (exact times not published)
Website: newable.co.uk

Newable is a UK-based commercial mortgage broker with a focus on SMEs, landlords, and property developers. Established in 1982, the firm operates with a whole-of-market model, partnering with over 200 lenders including high street banks, challenger institutions, and specialist finance providers.

The brokerage provides tailored solutions across a wide range of needs, including property acquisitions, refinancing, development funding, and owner-occupied commercial premises. Clients benefit from a detailed advisory process covering eligibility assessment, loan structuring, lender matching, and valuation coordination.

Newable is particularly experienced in handling complex cases, offering hands-on support and clear guidance throughout the financing process. Clients are typically required to submit financial accounts, forecasts, and full property details. Loan terms and rates vary depending on the lender and borrowing scenario.

Other services include:

Bridging loans
Development finance
Auction finance
Asset and invoice finance
Cashflow lending

Fees may include arrangement charges, valuation and legal costs, and a broker fee, all based on deal complexity. The firm is authorised and regulated by the Financial Conduct Authority (FCA), providing additional oversight and client protection.

Newable maintains a reputation for clarity and proactive service—particularly valued among SMEs navigating the layered landscape of commercial finance. When deadlines are tight and stakes are high, their structured process helps keep the wheels turning.

3. Watts Commercial Finance

Headquarters: Nantwich, Cheshire, UK
Loan Range: Variable, often up to 80% LTV (100% with additional security)
Loan-to-Value (LTV): Up to 80% (100% with extra security)
Repayment Terms: Short to long-term, fixed or variable
Availability: Offices across the UK
Website: watts-commercial.co.uk

Watts Commercial Finance is an independent commercial mortgage broker founded in 1985, with a strong presence across the UK and a head office in Cheshire. Known for its award-winning service, the firm has been recognised as the Business Moneyfacts Commercial Mortgage Introducer of the Year for seven consecutive years and holds the title of Moneyfacts Preferred Broker.

Watts serves a wide client base, from sole traders to large limited companies, offering tailored solutions for investment properties, owner-occupied units, development finance, refinancing, and specialist premises such as HMOs, care homes, and semi-commercial properties.

The firm connects clients with a broad panel of lenders—including high street and challenger banks—through a process that encourages competitive lender bidding. Commercial managers provide personal guidance at every step, from documentation through to completion, with a focus on speed, clarity, and outcome.

Loan Features:

Interest-only and capital repayment options
Short- and long-term durations
Fixed and variable rates
VAT loans and access to government schemes
No upfront fees; client fee typically 1.5% (initial £995 or 0.25% paid upon offer)

Requirements:

Security and deposit levels assessed
Credit history, experience, and financials reviewed
Face-to-face consultations prioritized for complex cases

The firm is a member of the National Association of Commercial Finance Brokers (NACFB) and operates under industry-recognised codes of practice. Watts Commercial is frequently chosen by clients who need fast decision-making, personalised support, and access to flexible terms.

4. Swoop

Headquarters: London, UK
Loan Range: Variable, typically 60–80% LTV
Interest Rates: 2.5% – 6%
Repayment Terms: Up to 30 years
Availability: Online platform + expert advisory
Website: swoopfunding.com

Swoop is a fintech-enabled commercial mortgage broker founded in 2018 and based in London. It combines a technology-driven platform with hands-on expertise to help UK businesses access owner-occupier and investment mortgages quickly and transparently. Regulated by the FCA and well-rated on Trustpilot, Swoop matches SMEs with lenders across the UK’s business finance ecosystem.

Through its digital dashboard, registered users can view tailored mortgage matches, spending insights, and even grant opportunities. The platform acts as both a funding broker and a financial planning tool, offering clients a complete overview of their capital position.

Mortgage Features:

Loans for purchase, refinance, or development
Suitable for business premises and investment properties
Fixed and variable rates available
Terms up to 30 years
Deposit typically 20–40%

Brokerage Process:

In-house experts (average 15 years’ experience) assess eligibility
Offers lender-matching and full application assistance
Commercial mortgage calculator available
Transparent broker fee (usually around 1%)

Swoop offers full compliance support and also operates a network for independent brokers through Appointed Representative (AR) status. Businesses seeking a modern, frictionless way to explore their mortgage options often find Swoop’s blend of automation and advisor support efficient and intuitive.

5. Clifton Private Finance

Headquarters: Bristol, UK
Loan Range: £250,000 – £100 million
Loan-to-Value (LTV): Up to 75%
Interest Rates: From 2.75%
Repayment Terms: Case-specific
Availability: Domestic and international clients
Website: cliftonpf.co.uk

Clifton Private Finance is a UK-based commercial mortgage broker specialising in high-value, tailored lending solutions. Operating out of Bristol, the firm supports both UK and international clients, including business owners, investors, companies, and high-net-worth individuals. Loan sizes typically range from £250,000 to £100 million, with terms and rates negotiated on a case-by-case basis.

Clifton offers structured funding for owner-occupied and investment properties, covering offices, retail units, warehouses, industrial sites, and mixed-use premises. Beyond standard commercial mortgages, they also provide bridging loans, asset finance, development funding, and support for large tax bills.

Service Features:

Loan-to-value ratios up to 75%
Rates from 2.75%, fixed or variable
Independent brokerage with access to high street and specialist lenders
Concierge-style service with a dedicated broker from enquiry to completion
Special experience in complex, non-standard, and international cases

Process & Support:

Bespoke lender negotiations tailored to client profiles
Financials, property details, and business plans typically required
FCA-regulated as an appointed representative of Fair Investment Company Ltd
Transparent fee discussions; complimentary consultations available

Clifton Private Finance is known for a hands-on, advisory-first model. Clients receive one-to-one guidance through eligibility checks, funding strategy, market comparisons, and lender negotiations. The firm’s independent status enables access to off-market rates and flexible terms, particularly for high-value or intricate deals.

Summary

The UK commercial mortgage market in 2025 is shaped by brokers who combine strong lender networks with personalised service and, in some cases, fintech innovation. This article highlights five standout firms—KIS Finance, Newable, Watts Commercial Finance, Swoop, and Clifton Private Finance—each offering tailored solutions to a range of clients, from SMEs and property investors to international buyers and high-net-worth individuals.

While KIS Finance and Watts Commercial lead with long-standing reputations and high-value deal structuring, Newable stand out for their bespoke, hands-on support across complex or large-scale transactions. Swoop brings a digital edge to the market, offering a tech-first platform supported by experienced advisors. Together, these brokers reflect the evolving demands of UK businesses—flexibility, speed, and expert guidance in an increasingly competitive lending space.

Spotted something? Got a story? Email: [email protected]

Latest News