A Complete Guide to Commercial Mortgages in 2026

The commercial mortgage market in 2026 continues to evolve, offering businesses more options than ever before. Whether you are purchasing your first commercial premises or refinancing an existing property, understanding the landscape is crucial. Key factors lenders consider include the property type, your business trading history, the loan-to-value ratio, and your ability to service the debt. Most lenders require a minimum deposit of 25%, though specialist lenders may accept lower deposits with additional security. Interest rates for commercial mortgages typically range from 1% to 5% above the Bank of England base rate, depending on the risk profile of the application. Fixed rate options are available for businesses seeking payment certainty. At Aberdeen Corporate Finance, we work with a panel of over 200 lenders to find the most competitive terms for your specific situation. Our independent advice ensures you get the best deal available in the market.