---
title: "What is the minimum deposit for commercial property?"
description: "The minimum deposit for commercial property is usually around 25% to 30% of the property’s purchase price. However, the exact amount can vary depending on the type of property, the risk profile of the business or investment, and the lender’s criteria."
url: "https://mortgagelane.com/guides/commercial-mortgages/what-is-the-minimum-deposit-for-commercial-property"
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"
---

# What is the minimum deposit for commercial property?

The minimum deposit for commercial property is usually around 25% to 30% of the property’s purchase price. However, the exact amount can vary depending on the type of property, the risk profile of the business or investment, and the lender’s criteria.

The minimum deposit for commercial property is usually around 25% to 30% of the property’s purchase price. However, the exact amount can vary depending on the type of property, the risk profile of the business or investment, and the lender’s criteria.

[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 buy-to-let](https://mortgagelane.com/definitions#def-commercial-buy-to-let)

·

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

## What is the minimum deposit for commercial property?

The minimum deposit for commercial property is usually around 25% to 30% of the property’s purchase price. However, the exact amount can vary depending on the type of property, the risk profile of the business or investment, and the lender’s criteria.

For standard commercial mortgages, such as buying an office, shop, or warehouse, lenders typically ask for a deposit of:

- 25% for lower-risk deals (e.g. strong business finances, good credit, established trading history)
- 30-40% if the deal is higher risk (e.g. start-ups, niche property types, poor credit)

In some cases, lenders may go lower than 25%, but only if the borrower offers additional security or has an exceptionally strong application. As mentioned earlier, certain professionals like doctors, dentists, and pharmacists may qualify for 10% or even 0% deposit options, especially for owner-occupied premises.

If you’re investing in property to rent out (i.e. a commercial investment mortgage), lenders tend to want larger deposits, often closer to 30-40%, because rental income can be less predictable.

## 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/what-is-the-minimum-deposit-for-commercial-property