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Retail mortgage lenders
Ranked shortlist of lenders in our directory with retail focus.
Reviewed by David Sampson, Founder & Director
Shortlist
Lenders in our directory with retail focus, ordered as below.
| # | Lender | Verified | Rating |
|---|---|---|---|
1 | |||
2 | |||
3 | |||
4 | |||
5 | |||
6 | - | ||
7 | |||
8 | |||
9 | |||
10 |
How this list is built
We use transparent directory signals only — no paid placement. Lenders must show active retail focus in our lender directory data. Order is based on active status, lender type grouping, then alphabetical tie-break. This is directory ordering, not a personal recommendation or financial advice.
FAQs
What types of retail properties can I get finance for?
Retail finance is available for shops, shopping centers, retail units, high street properties, and other retail premises. The specific criteria and terms vary depending on the property type, size, and location.
What deposit do I need for retail finance?
Retail mortgages typically require deposits of 35-40% of the property value, though this can vary based on your experience, the property type, and the lender's criteria. Higher deposits may be required for new operators.
What experience do I need to operate a retail property?
Most lenders prefer borrowers with previous retail operational experience, though some may consider applications from those with relevant business backgrounds and strong management teams.
Are retail mortgage rates higher than standard rates?
Yes, retail mortgage rates are typically 2-3% higher than standard rates due to the increased risk and operational complexity. Rates may vary based on your experience and the property's performance record.
What are the regulatory requirements for retail properties?
Retail properties must comply with various regulations, including health and safety requirements, planning regulations, and licensing requirements. Lenders will assess your ability to meet these requirements.
Can I get retail finance for a new build property?
Yes, though new build retail properties may require higher deposits and more detailed planning. You'll need to demonstrate that the property meets all regulatory requirements and has appropriate facilities for retail operations.
What happens if footfall decreases?
Lenders expect some variation in footfall and typically require you to demonstrate sufficient reserves to cover mortgage payments during difficult periods. Some lenders may require 6 months' payments in reserve.
Can I get retail finance for a mixed-use property?
Some lenders will consider mixed-use properties with retail elements, though the criteria may be more complex. You'll need to demonstrate that the retail portion meets all requirements and generates sufficient income.
What insurance do I need for retail properties?
Retail properties require specialist insurance including buildings, contents, public liability, and business interruption insurance. The lender will specify the required insurance levels and may need to be named as a beneficiary.
How is retail income assessed for mortgage applications?
Lenders typically assess income based on footfall, rental income, occupancy rates, and operational costs. They'll want to see evidence of stable occupancy and realistic revenue projections based on local market conditions.
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify details directly and seek independent advice before making financial decisions.