Finding the right broker can save time, money, and frustration when securing a commercial mortgage.
In this guide, we review eight of the best commercial mortgage brokers known for fast processing and expert advice, helping business owners and property investors access competitive commercial mortgage rates and tailored lending solutions.
How We Established This Ranking?
We based our selection on measurable performance, client reliability, and lending expertise rather than marketing claims. Our criteria included:
- Average loan processing time and approval rate
- Access to commercial mortgage lenders and product range
- Transparency of broker fees and loan to value options
- Experience handling complex commercial investment mortgages
- Quality of client support and consistency of service across sectors
What Are The Best Commercial Mortgage Brokers?
Based on our review, KIS Finance is the best commercial mortgage broker for fast processing and expert advice.
In the table below, you can compare the top brokers and find your perfect fit:
| Broker | Loan Amount | Loan Term | Max LTV | Commercial Mortgage Calculator |
| KIS Finance | £100,000 – £250 million+ | 3–30 years | Up to 75% (100% with security) | Yes |
| Commercial Trust Limited | From £30,000 (no upper limit) | 3–25 years | Up to 75% (85% for BTL, 100% with security) | Yes |
| ABC Finance Limited | From £25,000 – £50 million+ | 5–30 years | Up to 80% (100% in select sectors) | Yes |
| Silver Oak Capital | £100,000 – £250 million+ | Up to 30 years (bridging up to 24 months) | Up to 75% | No |
| Walker & Dunlop | $1 million – $2.4 billion+ | 5–30 years | Up to 80% | Yes |
| Berkadia | $1 million – $1 billion+ | 5–30 years (bridge 1–5 years) | Up to 80% (60–75% commercial) | Yes |
| Marcus & Millichap Capital Corp. (MMCC) | $1 million – $500 million+ | 5–30 years (bridge/construction 1–5 years) | Up to 80% | No |
| AKAL Mortgages | $100,000 – $50 million CAD+ | 5–20 years (bridge 1–2 years) | Up to 85% (100% in select cases) | Yes |
1. KIS Finance
Headquarters: Cullompton, UK
KIS Finance offer commercial mortgages and flexible funding solutions for property investors, developers, and business owners.
The firm is known for fast in-principle lending decisions – often within 48 hours – and tailored advice for complex or high-value cases.
Its wide lender panel and personalized service make it one of the best commercial mortgage brokers in the UK for speed and expertise.
- Loan Amount: £100,000 – £250 million+
- Loan Term: 3 to 30 years (flexible)
- Max LTV: Up to 75% (can reach 100% with additional security)
2. Commercial Trust Limited
Headquarters: Norwich, Norfolk, UK
Commercial Trust Limited is a specialist commercial mortgage broker founded in 2013, working with over 80 commercial mortgage lenders across the UK.
It arranges commercial mortgages, buy to let, and semi commercial mortgages with decisions in principle often issued within two hours.
- Loan Amount: From £30,000 (no upper limit)
- Loan Term: 3 to 25 years (flexible)
- Max LTV: Up to 75% for commercial; up to 85% for buy to let; up to 100% with additional security
3. ABC Finance Limited
Headquarters: Cannock, Staffordshire, UK
ABC Finance Limited is a nationwide commercial mortgage broker established in 2000, offering commercial mortgages, development finance, bridging loans, and business mortgages for trading businesses and property investors.
The firm works with multiple commercial mortgage lenders, including Shawbrook, Aldermore, and Interbay, providing written quotes and approvals in principle within one hour.
- Loan Amount: From £25,000 (typically starts at £30,000–£50,000)
- Loan Term: 5 to 30 years
- Max LTV: Up to 80% for owner-occupied; up to 75% for commercial investment; up to 100% in select sectors
4. Silver Oak Capital
Headquarters: London, UK
Silver Oak Capital is a specialist commercial mortgage broker founded in 2019, structuring complex commercial mortgages, development finance, and bridging loans for high-value projects across the UK and internationally.
The firm works with over 700 commercial mortgage lenders, including private banks and debt funds, arranging bespoke financing for commercial investment property, luxury real estate, and mixed-use developments.
- Loan Amount: £100,000 – £250 million+
- Loan Term: Up to 30 years (bridging up to 24 months)
- Max LTV: Up to 75% (higher with additional security or proven project viability)
5. Walker & Dunlop
Headquarters: Bethesda, Maryland, USA (London office for international operations)
Walker & Dunlop is a commercial mortgage lender and advisory firm founded in 1937, providing financing for multifamily, commercial, and industrial properties.
The company works with Fannie Mae, Freddie Mac, HUD, banks, and private capital sources to structure commercial mortgages and business loans across North America and Europe.
- Loan Amount: $1 million – $2.4 billion+
- Loan Term: 5 to 30 years (bridge loans 3–7 years)
- Max LTV: Up to 80% (varies by lender and asset class)
6. Berkadia
Headquarters: New York, NY, USA
Berkadia is a major commercial mortgage lender and servicer formed in 2009 through the acquisition of Capmark’s commercial mortgage business.
The firm operates as a joint venture between Berkshire Hathaway and Jefferies, providing commercial mortgages, multifamily loans, and commercial investment mortgages across North America.
- Loan Amount: $1 million – $1 billion+
- Loan Term: 5 to 30 years (bridge loans 1–5 years)
- Max LTV: Up to 80% for multifamily; 60–75% for commercial properties
7. Marcus & Millichap Capital Corporation (MMCC)
Headquarters: Calabasas, California, USA
Marcus & Millichap Capital Corporation (MMCC) is the capital markets division of Marcus & Millichap, established in 1971, specializing in commercial mortgages, construction finance, and business loans for multifamily, office, retail, and industrial properties.
The company operates across 80 offices in the United States and Canada, connecting borrowers with commercial mortgage lenders including banks, life companies, agencies, CMBS, and private equity funds.
- Loan Amount: $1 million – $500 million+
- Loan Term: 5 to 30 years (bridge/construction 1–5 years)
- Max LTV: Up to 80% for multifamily and 75% for commercial properties
8. AKAL Mortgages
Headquarters: Mississauga, Ontario, Canada
AKAL Mortgages is a Canadian specialist commercial mortgage broker with over 20 years of experience, providing commercial mortgages, development finance, and business loans for property investors and developers.
The firm operates across several provinces through the Mortgage Alliance Network, offering access to institutional and private commercial mortgage lenders.
- Loan Amount: $100,000 – $50 million CAD+
- Loan Term: 5 to 20 years (bridge/development 1–2 years)
- Max LTV: Up to 85% (100% in select business or medical cases)
Conclusion
Commercial mortgage brokers play a vital role in helping businesses and investors secure tailored finance quickly and efficiently.
The right partner will simplify complex lending processes, improve loan terms, and speed up approvals – especially for those managing multiple commercial properties or larger investments.
Key takeaways:
- KIS Finance stands out as the best commercial mortgage broker for fast processing, flexible lending, and expert guidance.
- Brokers with broad lender access can often deliver better commercial mortgage rates and higher loan to value terms.
- Using a broker helps compare options efficiently, reducing costs, time, and stress when securing a commercial mortgage.
FAQs
Who are the best commercial mortgage brokers?
KIS Finance is the best commercial mortgage broker for fast approvals and flexible lending. It partners with banks and specialist commercial mortgage lenders to secure competitive rates for business owners and property investors across various sectors.
How do commercial mortgage brokers work?
Commercial mortgage brokers connect borrowers with suitable lenders, comparing rates, terms, and lending criteria. They prepare applications, negotiate loan terms, and manage valuation and legal processes to secure the best deal based on loan to value and credit profile.
What determines commercial mortgage rates?
Rates depend on the Bank of England base rate, property type, credit history, and loan to value ratio. Fixed rate and variable rate products are available, with stronger financial profiles typically receiving lower interest rates.
How much deposit is needed for a commercial mortgage?
Most lenders require a deposit of 25-40% of the purchase price. The percentage varies with borrower risk, property type, and whether the loan is for an owner-occupied or investment property.
What fees apply when using a commercial mortgage broker?
Typical costs include broker fees, lender arrangement fees, valuation fees, and legal fees. Some brokers charge 1–2% of the loan amount, while others operate fee-free or disclose costs upfront through the financial services register.
How long does commercial mortgage approval take?
Approval usually takes 4–8 weeks, though bridging loans can close in days. KIS Finance and similar brokers accelerate the process through established lender relationships and efficient documentation.
What’s the difference between commercial and residential mortgages?
Commercial mortgages finance income-generating or business premises, while residential mortgages cover private homes. The former involve higher interest rates, tailored terms, and risk assessments based on business income rather than personal salary.
