Commercial Mortgage Broker in London
A commercial mortgage broker in London arranges secured lending on offices, retail, mixed-use, industrial and investment property across the capital, placing each case with the lender whose criteria actually fit rather than whichever bank the borrower happens to use. Typical London terms run to 75% loan to value on 3 to 25 year terms priced from around 6%, underwritten on interest cover of 125% to 145% at a stressed rate. What differs in London is the valuation dynamic: yields are keener, mixed-use is the norm rather than the exception, and lenders scrutinise lease length and covenant strength far more closely than a headline rental figure.
Criteria and pricing
What lenders on our panel will typically do on this product today.
- Maximum LTV
- Up to 75% investment; up to 80% owner-occupied
- Term
- 3-25 years
- Rate
- From ~6%, fixed or margin over base / SONIA
- Interest cover
- 125-145% at the stressed rate
- Asset types
- Offices, retail, mixed-use, industrial, hotels, care, student
- Borrower
- UK and overseas companies, SPVs, trusts and individuals
- Loan size
- £250,000 to £25m+
- Office
- 4th Floor, 9 Chesterfield St, London W1J 5JN
Worked example - Zone 2 mixed-use investment
- Purchase price
- £1,850,000
- Loan at 65% LTV
- £1,202,500
- Passing rent
- £118,000 pa
- Payment at 6.85% interest-only
- £82,371 pa
- Interest cover achieved
- ≈ 143%
- Arrangement fee at 1.5%
- £18,038
- Equity and costs required
- ≈ £790,000
Figures are typical UK market ranges as at 2026 and are indicative only - your terms depend on the asset, the income, the exit and the lender we place the case with.
Who this works for — and who it does not
You are likely to qualify if
- Deposit of 25-35% plus SDLT and professional fees
- Tenancy schedule, leases and, for owner-occupiers, two years of accounts
- A clear business plan for the asset - hold, reposition or trade
- For overseas borrowers, UK security and full source-of-funds evidence
This is the wrong product if
- Borrowers who need a decision inside a week - that is a bridge, not a term mortgage
- Assets with no income and no letting or occupation plan
- Purchases relying entirely on hoped-for planning gain, which route to development or planning gain finance
- Residential-only portfolios, which belong on a BTL portfolio facility
What actually happens, and when
- Week 1
Brief and heads of terms
We take the asset, the income and your objective, and return two or three genuinely competitive term sheets.
- Week 1-2
Valuation instructed
London commercial valuers are busy - booking the inspection early is the single biggest time saver.
- Week 2-6
Credit and legals
Underwriting, covenant review, title and lease enquiries.
- Week 6-12
Completion
Eight to twelve weeks is realistic. Where the deadline is shorter, we complete on a bridge and refinance onto the term loan.