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.