Can I get a 100% commercial mortgage?

Getting a 100% commercial mortgage meaning borrowing the entire purchase price without putting down any deposit, is very rare, but not completely impossible. Most lenders typically require a deposit of 25% to 40% of the property’s value, since commercial lending is considered higher risk than residential lending.

However, there are some exceptions where 100% commercial funding may be available, usually when the borrower can offer additional security. This might include another property with substantial equity, a very strong business track record, or a low-risk property with reliable, long-term tenants in place. In some cases, a lender may consider 100% funding if the borrower is able to provide a personal guarantee or other collateral that reduces the risk.

One notable exception is in the healthcare sector, where 100% commercial mortgages are more commonly available, particularly for dentists, doctors, opticians, and pharmacists. This is because healthcare businesses are considered low risk, with steady demand and reliable income, making them more attractive to lenders.

Outside of healthcare, 100% commercial mortgages remain uncommon and typically require creative structuring or specialist lender involvement. A commercial mortgage broker can help assess whether it’s possible based on your specific situation.