---
title: "How much do I need to put down for a commercial mortgage?"
description: "For a commercial mortgage, you’ll typically need to put down a deposit of 25% to 40% of the property’s value. The exact amount will depend on factors such as the type of property, the lender’s criteria, your financial strength, and whether the mortgage is for owner-occupier use or commercial investment."
url: "https://mortgagelane.com/guides/commercial-mortgages/how-much-do-i-need-to-put-down-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: "2 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# How much do I need to put down for a commercial mortgage?

For a commercial mortgage, you’ll typically need to put down a deposit of 25% to 40% of the property’s value. The exact amount will depend on factors such as the type of property, the lender’s criteria, your financial strength, and whether the mortgage is for owner-occupier use or commercial investment.

For a commercial mortgage, you’ll typically need to put down a deposit of 25% to 40% of the property’s value. The exact amount will depend on factors such as the type of property, the lender’s criteria, your financial strength, and whether the mortgage is for owner-occupier use or commercial investment.

[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)

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

Related definitions

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

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

## How much do I need to put down for a commercial mortgage?

For a commercial mortgage, you’ll typically need to put down a deposit of 25% to 40% of the property’s value. The exact amount will depend on factors such as the type of property, the lender’s criteria, your financial strength, and whether the mortgage is for owner-occupier use or commercial investment.

In general, lower-risk borrowers, such as established businesses with strong accounts or investors buying standard properties with good tenants, might be able to access deals with deposits closer to 25%. On the other hand, if the deal involves higher risk (like a new business, a specialist property, or a short lease), lenders may require a larger deposit, potentially up to 40% or more.

In some cases particularly in the healthcare sector for professionals like doctors, dentists, and pharmacists it may be possible to secure a commercial mortgage with as little as 0% to 10% deposit, depending on the strength of the applicant and lender appetite.

Overall, while 25% is a common minimum, it’s always a good idea to be prepared for a higher deposit, especially if your circumstances are more complex or outside mainstream criteria.

## 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-do-i-need-to-put-down-for-a-commercial-mortgage