10 Best brokers for Commercial Mortgages with Flexible Criteria

The right commercial mortgage broker in the UK can determine whether your business scales or stalls. Skilled brokers connect you with over 200 lenders, boost approval chances, and tailor terms to your goals. High-street banks offer strong rates but enforce strict lending rules that often shut out newer or fast-growing firms. Specialist brokers with flexible criteria give entrepreneurs the agility and fast decisions they need to move forward.

The brokers listed below stand out for their adaptability, market coverage, and track record of helping UK businesses secure commercial mortgages with confidence. Among them, KIS Finance remains a top choice for investors who value speed, flexibility, and transparent service when working with the best commercial mortgage lenders UK has to offer.

Comparison Table: Flexible Commercial Mortgage Brokers

Broker	Best For	Pros	Cons
KIS Finance	Flexible BTL & commercial deals, complex cases	Independent, all-market coverage, simple process	Broker fees for commercial mortgages
Commercial Trust	Landlord specialist, speed, wide lender panel	Fast response, 80+ lenders, admin handled	£499 booking fee; not FCA regulated
Funding Options by Tide	Wide lender access & online comparison	120+ lenders, free eligibility check	Acts as broker, not direct lender
Watts Commercial Finance	Award-winning service, complex business loans	Multiple lender access, tailor-made solutions	May charge broker fees
Newable	SME property finance & innovation	Strong support, broad network, tech-led	Fees may vary by deal size
Pure Property Finance	Bespoke property & BTL finance	Specialist advice, prompt service	Fees and minimum loan amounts can apply
MFB (Mortgage Finance Brokers)	Portfolio landlord and BTL experts	Trusted advice, panel of lenders	Broker fees may apply; some deals complex
Swoop	Fast digital platform, wide comparison	Innovative tech, compares many lenders	Specialist support may depend on loan type
Fox Davidson	Complex, high-value, or specialist cases	Tailored case approach, flexible lenders	Complex deals can take longer to arrange
John Charcol	Established market presence, expert advice	Experienced brokers, full market access	Some fees; not all products listed online

1. KIS Finance

Rating: 4.9

KIS Finance ranks first for flexibility and consistent service across the UK. The independent broker simplifies the process for buy-to-let and commercial mortgages, even in complex situations. Its direct access to a wide lender panel helps clients secure competitive deals quickly.

Commercial mortgages by KIS Finance offer both fixed and variable options, with interest-only plans and terms ranging from three to thirty years. The firm can arrange up to 75% LTV, and with extra security, potentially 100% funding. It charges no broker fees for bridging or development finance and always maintains transparency on commercial mortgage costs.

Its hands-on support and broad lender access make it the most adaptable choice for investors and business owners who want straightforward financing without hidden fees.

2. Commercial Trust

Rating: 4.7

Commercial Trust is the go to for landlords and property investors who need reliable, fast finance. With access to over 80 lenders they've got your back, handling applications with speed and efficiency and keeping disruption to a minimum.

Their streamlined system is the perfect choice for portfolio landlords who juggle lots of properties. They can usually get lender terms sorted in just a couple of hours and take care of all the boring admin stuff too. Clients pay a £499 booking fee but that gives them fast turnaround times and the comfort of knowing they're in touch with experienced pros

3. Funding Options by Tide

Rating: 4.8

Funding Options by Tide lets businesses access over 120 commercial lenders through their online comparison tool. The system does the hard work, matching borrowers up with the right funding option in just a few minutes.

Eligibility checks are free and don't affect your credit score, which is a nice bonus. It's the perfect choice for SMEs that want to look at loads of options without getting bogged down in loads of paperwork. Funding Options plays the role of a broker, and not a lender, but their scale and digital efficiency make them a super-convenient first step for most businesses.

4. Watts Commercial Finance

Rating: 4.9

Watts Commercial Finance, they've been around since 1985 and have a seriously strong national presence and reputation for doing things right. They've won the Business Moneyfacts Commercial Mortgage Introducer of the Year award multiple times for their results and customer service, no small feat.

They handle the tricky, high-value loans and offer both interest-only and capital-repayment options. With LTVs of up to 80% and sometimes even 100% where extra security is involved, they've got flexible solutions that match real-world investment needs.

The team at Watts will guide you through every step of the process, keeping you in the loop with clear communication and swift progress. 

5. Newable

Rating: 5.0

Newable, established in 1982, focuses on property and SME finance. The London-based firm works with more than 200 lenders, blending technology and advisory expertise to deliver practical funding solutions.

Newable supports property purchases, refinancing, and development projects, especially for growing businesses and innovative ventures. It handles complex applications with attention to detail and transparency, earning its reputation for professional, client-first service.

Loan terms and LTV levels vary by project, but Newable’s consultative model helps clients navigate those variables confidently.

6. Pure Property Finance

Rating: 4.8

Pure Property Finance, based in Cardiff, offers bespoke mortgage advice and rapid execution. Since 2013, it has built a strong reputation for helping investors and developers with specialist property and buy-to-let finance.

The broker works with over 60 lenders, offering flexible terms and LTVs up to 75%. It provides both fixed and interest-only options, balancing speed with precision. Dedicated brokers oversee each case from start to finish, often negotiating reduced fees for clients.

Pure Property Finance suits investors who value fast results and a direct, personalised service.

7. Mortgage Finance Brokers (MFB)

Rating: 5.0

MFB, formerly Mortgages for Business, has more than three decades of expertise in portfolio and buy-to-let lending. The firm connects investors to a wide lender panel and assists with complex financial structures, such as HMOs and multi-unit blocks.

Its depth of experience allows it to secure competitive rates for professional landlords. While broker fees may apply, MFB’s ability to handle sophisticated cases makes it a go-to choice for seasoned property investors.

8. Swoop

Rating: 4.8

Swoop combines technology with personal guidance. Founded in 2018, it offers quick, data-driven comparisons across multiple commercial mortgage providers.

Clients use its online platform to identify lenders instantly and access loans for both investment and owner-occupied properties. Typical LTVs range from 60% to 80%, and every borrower receives help from a dedicated adviser.

The broker fee averages 1% of the loan, and all charges are disclosed upfront. Swoop’s modern interface and FCA regulation make it ideal for business owners who prefer a fast, digital route to financing.

9. Fox Davidson

Rating: 4.8

Fox Davidson specialises in high-value and complex mortgages, including cases involving expat investors and non-standard assets. The Bristol-based firm offers a bespoke service that focuses on understanding each client’s financial objectives.

It partners with private banks, challenger lenders, and building societies to secure competitive terms for properties that fall outside typical criteria. Complex deals may take longer to complete, but Fox Davidson’s strategic approach consistently delivers strong outcomes for experienced investors.

10. John Charcol

Rating: 4.9

John Charcol remains one of the UK’s most established names in mortgage advice. Its team of experienced brokers supports businesses and investors with comprehensive market coverage.

The firm’s longevity and professional insight make it a dependable choice for clients seeking tailored financial guidance. Some fees apply, and not all products are listed online, but John Charcol’s credibility and reach make it a consistent performer among full-market brokers.

Conclusion: The Power of Flexibility

The UK commercial mortgage market keeps on growing and getting a whole lot more diverse, with options popping up that fit every single business, no matter how big or small, old or new. Top-end players get the whole lot from their brokers, while startups or companies with more complicated needs get better service from specialists or online firms that know their stuff.

KIS Finance is right out in front, bowling everyone else over with its mix of flexibility, straight-up honesty in how business is done, and a genuine ability to handle the tough cases that others can't touch. Watts Commercial Finance, Commercial Trust and Newable are right on its heels, making sure that they're the ones to turn to when you want a broker that can offer you tailored solutions and deal with loads of different lenders.

When you're looking for a broker that's going to help you get the right mortgage for your business, don't just stop at looking at the headline rates. You need to be looking at how flexible they are with credit, how quickly they can approve you, what LTV range they offer, and whether they have experience in your industry. A good broker who works closely with the best commercial mortgage lenders UK can connect you with the right funding and help your business grow long term.

Frequently Asked Questions

1. What kinds of commercial mortgage brokers are out there in the UK?

We’ve got your general high-street brokers, specialist firms, and even online platforms, each one of them suited to different properties and business types. The best commercial mortgage lenders UK work closely with these brokers to offer competitive terms and faster decisions.

2. How much do you need to chuck in as a deposit for a commercial mortgage?

Most lenders are looking for 25-40% of the purchase price, but if you've got a strong case, your broker may be able to do a better deal for you and get you a higher LTV.

3. Can I get a commercial mortgage with limited trading history?

Yes. Many specialist and challenger lenders consider newer businesses, particularly when backed by solid cash flow or collateral.

4. What usually causes commercial mortgage rejection?

Applications fail mainly due to sector risk, weak credit, or missing documents. Flexible brokers help overcome these issues by matching clients to suitable lenders.

5. How long does approval take?

High-street banks often take 8–12 weeks to approve applications, while specialist or tech-enabled brokers can complete deals in 6–8 weeks or sooner.