{ "name": "commercialmortgagecalculator.uk UK Commercial Mortgage Rate Index", "title": "UK Commercial Mortgage Rate Index", "url": "https://commercialmortgagecalculator.uk/datasets/uk-commercial-mortgage-rate-index/", "csv": "https://commercialmortgagecalculator.uk/datasets/uk-commercial-mortgage-rate-index.csv", "markdown": "https://commercialmortgagecalculator.uk/datasets/uk-commercial-mortgage-rate-index/index.md", "computed_at": "2026-09-26", "license": "https://commercialmortgagecalculator.uk/terms", "headline": "The median published figure in the UK Commercial Mortgage Rate Index is 5.38 percent across 6 sources' own pages (range 4.50 to 6.34 percent), read 26 September 2026.", "quotes": [ "The median published figure in the UK Commercial Mortgage Rate Index is 5.38 percent across 6 sources' own pages (range 4.50 to 6.34 percent), read 26 September 2026.", "6 of the 23 named sources read in full publish a figure; 17 publish none, read 26 September 2026.", "UK Commercial Mortgage Rate Index, owner-occupier or investment owner-occupier: median 5.50 percent across 3 sources, read 26 September 2026.", "The median is unchanged since 25 September 2026 (was 5.38 percent across 6)." ], "citation": "\"commercialmortgagecalculator.uk UK Commercial Mortgage Rate Index\", updated 2026-09-26, https://commercialmortgagecalculator.uk/datasets/uk-commercial-mortgage-rate-index/.", "changed_since": { "since": "2026-09-25", "previous_median": 5.375, "delta": 0, "direction": "unchanged", "sentence": "The median is unchanged since 25 September 2026 (was 5.38 percent across 6)." }, "national": { "unit": "%", "n": 6, "median": 5.375, "min": 4.5, "max": 6.34, "p25": 5.055, "p75": 5.71, "mean": 5.3883, "units": { "%": 6 }, "published_sources": 6, "named_sources": 29, "read_sources": 23, "not_published": 17, "published_share": 0.261 }, "by_axis": { "owner-occupier or investment": { "owner-occupier": { "%": { "n": 3, "median": 5.5, "min": 5.5, "max": 6.34, "p25": 5.5, "p75": 6.34, "mean": 5.78 } } } }, "rows": [ { "source": "Shawbrook commercial mortgages", "url": "https://www.shawbrook.co.uk/commercial-mortgages/", "figure": "5.24%", "value": 5.24, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-15", "quote": "Rates from 5.24%", "source_class": "primary-provider-own-site", "text_sha256": "7e0d252298e90a5115329627cfc37598ee9e3497ed767c2f821c15483da3d8f5" }, { "source": "FD Commercial commercial mortgage rates 2026", "url": "https://www.fdcommercial.co.uk/finance-guide/commercial-mortgage-rates-2026/", "figure": "5.5%", "value": 5.5, "unit": "%", "vat": null, "axis": { "owner-occupier or investment": "owner-occupier" }, "retrieved_at": "2026-09-15", "quote": "From 5.5% OWNER-OCCUPIER FIXED", "source_class": "primary-provider-own-site", "text_sha256": "0faccae44d7ae9e60d3410bd6d87c31860e286cb5695a0cb7c79e6686e93786e" }, { "source": "Commercial Mortgages Broker rates", "url": "https://commercialmortgagesbroker.co.uk/services/commercial-mortgages/rates", "figure": "5.25%", "value": 5.25, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-15", "quote": "Fixed and variable interest rates from 5.25% for the strongest applications.", "source_class": "primary-provider-own-site", "text_sha256": "ad534e5d9da95132e449c429fc26e136cd9849e3189da749f709cdc7c24b73f8" }, { "source": "ABC Finance commercial mortgages", "url": "https://abcfinance.co.uk/commercial-mortgages/", "figure": "5.5%", "value": 5.5, "unit": "%", "vat": null, "axis": { "owner-occupier or investment": "owner-occupier" }, "retrieved_at": "2026-09-15", "quote": "Fixed rates from 5.5% to 7.5%; variable rates from 5.2% to 7.0% (owner-occupied, April 2026)", "source_class": "primary-provider-own-site", "text_sha256": "702236d4c90468e7baa6f5b0b848364f910ae67b584f5baf9f47d866272f2045" }, { "source": "Money Saving Advisors commercial mortgage rates", "url": "https://www.moneysavingadvisors.co.uk/mortgages/commercial/rates/", "figure": "4.5%", "value": 4.5, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-15", "quote": "Rates from 4.5% across high-street and specialist lenders", "source_class": "primary-provider-own-site", "text_sha256": "9a1aad09ee5efd7deb9fdd07a48ce770b0ddcfd2494710877aec4122e843eb22" }, { "source": "Adept Mortgages current commercial rates", "url": "https://www.adeptmortgages.co.uk/commercial-mortgages/commercial-mortgage-rates/", "figure": "6.34%", "value": 6.34, "unit": "%", "vat": null, "axis": { "owner-occupier or investment": "owner-occupier" }, "retrieved_at": "2026-09-15", "quote": "Commercial owner-occupied 6.34% – 8.54% 1% – 5% 75%* £150k – £25m View", "source_class": "primary-provider-own-site", "text_sha256": "2a4d64a6d801c88cda39a92d12c7df92e428d195c5ffa50bd5aa4ac4544ca196" } ], "not_published": [ { "source": "Allica Bank commercial mortgage rates", "url": "https://www.allica.bank/blog/commercial-mortgage-rates", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Allica Bank direct commercial mortgage product guide", "url": "https://www.allica.bank/hubfs/pdf/Product%20guides%20-%20lending/Commercial%20mortgages%20-%20direct/27.04.26%20Direct%20CM%20PG.pdf", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "HSBC commercial mortgage", "url": "https://www.business.hsbc.uk/en-gb/products/commercial-mortgage", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Barclays commercial mortgages", "url": "https://www.barclays.co.uk/business-banking/borrow/commercial-mortgages/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "NatWest commercial mortgages explained", "url": "https://www.natwest.com/business/loans-and-finance/commercial-mortgages-explained.html", "retrieved_at": "2026-09-15", "reason": "read in full and no accepted figure on the page" }, { "source": "Aldermore commercial mortgages", "url": "https://www.aldermore.co.uk/mortgages/commercial-mortgages/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Aldermore commercial real estate finance", "url": "https://www.aldermore.co.uk/business-finance/commercial-real-estate/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Recognise Bank commercial mortgage", "url": "https://recognisebank.co.uk/commercial-mortgage/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Recognise Bank five-year fixed commercial range", "url": "https://recognisebank.co.uk/news/recognise-bank-expands-commercial-mortgage-range-five-year-fixed-rate/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "InterBay", "url": "https://www.interbay.co.uk/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Paragon Banking Group", "url": "https://www.paragonbankinggroup.co.uk/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Together", "url": "https://togethermoney.com/", "retrieved_at": "2026-09-15", "reason": "read in full and no accepted figure on the page" }, { "source": "Atom Bank commercial lending criteria", "url": "https://www.atombank.co.uk/intermediaries/commercial/lending-criteria/", "retrieved_at": "2026-09-15", "reason": "read in full and no accepted figure on the page" }, { "source": "Westminster Finance commercial mortgage rates", "url": "https://westminsterfinance.uk/commercial-mortgage-rates-uk/", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Enable Finance commercial mortgages", "url": "https://www.enablefinance.com/commercial-mortgages", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "BEMS commercial mortgages explained", "url": "https://www.be-ms.co.uk/post/commercial-mortgages-explained-how-uk-businesses-and-investors-can-finance-property-in-2026", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" }, { "source": "Commercial Mortgages Manchester rate view", "url": "https://www.commercialmortgagesmanchester.co.uk/blog/commercial-mortgage-rates-manchester-rest-of-2026", "retrieved_at": "2026-09-15", "reason": "every candidate on the page was refused" } ], "sources": [ { "url": "https://www.allica.bank/blog/commercial-mortgage-rates", "label": "Allica Bank commercial mortgage rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.allica.bank/commercial-mortgages", "label": "Allica Bank commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.allica.bank/hubfs/pdf/Product%20guides%20-%20lending/Commercial%20mortgages%20-%20direct/27.04.26%20Direct%20CM%20PG.pdf", "label": "Allica Bank direct commercial mortgage product guide", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.business.hsbc.uk/en-gb/products/commercial-mortgage", "label": "HSBC commercial mortgage", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.barclays.co.uk/business-banking/borrow/commercial-mortgages/", "label": "Barclays commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.natwest.com/business/loans-and-finance/commercial-mortgage.html", "label": "NatWest commercial mortgage", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.natwest.com/business/loans-and-finance/commercial-buy-to-let-mortgages.html", "label": "NatWest commercial buy-to-let mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.natwest.com/business/loans-and-finance/commercial-mortgages-explained.html", "label": "NatWest commercial mortgages explained", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.aldermore.co.uk/mortgages/commercial-mortgages/", "label": "Aldermore commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.aldermore.co.uk/business-finance/commercial-real-estate/", "label": "Aldermore commercial real estate finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.shawbrook.co.uk/commercial-mortgages/", "label": "Shawbrook commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://ccbank.co.uk/intermediaries/property-finance/", "label": "Cambridge & Counties Bank property finance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://recognisebank.co.uk/commercial-mortgage/", "label": "Recognise Bank commercial mortgage", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://recognisebank.co.uk/news/recognise-bank-expands-commercial-mortgage-range-five-year-fixed-rate/", "label": "Recognise Bank five-year fixed commercial range", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.interbay.co.uk/", "label": "InterBay", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.paragonbankinggroup.co.uk/", "label": "Paragon Banking Group", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://togethermoney.com/", "label": "Together", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.atombank.co.uk/intermediaries/commercial/lending-criteria/", "label": "Atom Bank commercial lending criteria", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fdcommercial.co.uk/finance-guide/commercial-mortgage-rates-2026/", "label": "FD Commercial commercial mortgage rates 2026", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://commercialmortgagesbroker.co.uk/services/commercial-mortgages/rates", "label": "Commercial Mortgages Broker rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://westminsterfinance.uk/commercial-mortgage-rates-uk/", "label": "Westminster Finance commercial mortgage rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://abcfinance.co.uk/commercial-mortgages/", "label": "ABC Finance commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.moneysavingadvisors.co.uk/mortgages/commercial/rates/", "label": "Money Saving Advisors commercial mortgage rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.adeptmortgages.co.uk/commercial-mortgages/commercial-mortgage-rates/", "label": "Adept Mortgages current commercial rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.enablefinance.com/commercial-mortgages", "label": "Enable Finance commercial mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.be-ms.co.uk/post/commercial-mortgages-explained-how-uk-businesses-and-investors-can-finance-property-in-2026", "label": "BEMS commercial mortgages explained", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.commercialmortgagesmanchester.co.uk/blog/commercial-mortgage-rates-manchester-rest-of-2026", "label": "Commercial Mortgages Manchester rate view", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.hampshiretrustbank.co.uk/specialist-mortgages/", "label": "Hampshire Trust Bank specialist mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://commercialmortgagesbroker.co.uk/knowledge-hub/commercial-mortgage-lenders-uk", "label": "commercialmortgagesbroker.co.uk", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 6 of the 23 named sources that could be read published a usable figure; 17 published none and are recorded as not published, never filled in; 6 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 166 candidate sentence(s) were refused by a reviewer with the reason recorded. Derivation as chartered: the median, minimum and maximum quoted rate ACROSS every lender and broker that publishes one, split by owner-occupier against investment, by LTV band and by fixed against margin-over-Base-Rate - with the count publishing a rate at all, the spread between the high street and the specialists, and the movement since the last read; no lender publishes the market, only its own card", "embed": "

5.38 percent

median published figure, UK Commercial Mortgage Rate Index, across 6 sources, read 26 September 2026

Source: commercialmortgagecalculator.uk UK Commercial Mortgage Rate Index
" }