---
title: "How much deposit is needed for a commercial mortgage?"
description: "For a commercial mortgage, a deposit of approximately 25% of the property’s total value is typically required, especially with investment commercial purchases."
url: "https://mortgagelane.com/guides/commercial-mortgages/how-much-deposit-is-needed-for-a-commercial-mortgage"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-04"
author: "Written by an adviser at Mortgage Lane"
category: "Mortgage guide"
reviewed: "2026-08-04"
reading_time: "1 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# How much deposit is needed for a commercial mortgage?

For a commercial mortgage, a deposit of approximately 25% of the property’s total value is typically required, especially with investment commercial purchases.

For a commercial mortgage, a deposit of approximately 25% of the property’s total value is typically required, especially with investment commercial purchases.

[Commercial mortgage](https://mortgagelane.com/definitions?term=commercial-mortgage)

Commercial

An asset-backed loan secured against commercial, semi-commercial or large-scale investment property, assessed on income sustainability, asset risk and valuation methodology rather than personal affordability alone.

[Read the full definition of Commercial mortgage](https://mortgagelane.com/definitions?term=commercial-mortgage)

Back to overview

[Commercial Mortgages](https://mortgagelane.com/mortgages/commercial-mortgages)

Related definitions

[Commercial mortgage](https://mortgagelane.com/definitions#def-commercial-mortgage)

·

[Mortgage](https://mortgagelane.com/definitions#def-mortgage)

## How much deposit is needed for a commercial mortgage?

For a commercial mortgage, a deposit of approximately 25% of the property’s total value is typically required, especially with investment commercial purchases. However, in specific owner occupied sectors like healthcare, some mortgages might offer up to 100% loan-to-value (LTV), potentially eliminating the need for a deposit. This variance primarily depends on the lender’s policies, the type of property, sector, and the borrower’s financial health. Consulting with commercial mortgage brokers can provide insights into commercial mortgage criteria requirements to see what Loan to Value (LTV) you can borrow with commercial mortgage lenders.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-08-04

Last reviewed: 2026-08-04

Source: https://mortgagelane.com/guides/commercial-mortgages/how-much-deposit-is-needed-for-a-commercial-mortgage