commercial mortgages

Commercial mortgages on fully commercial property in Northern Ireland

Facts checked 7 September 2026

Panel figures from our September 2026 lender-platform extract, available products only.

Lenders that accept this

9

Accept fully commercial property at all

38

Of the 38 lender brands on our commercial mortgages panel that will consider fully commercial property, 9 still will once the property is in Northern Ireland. The other 29 will not, on the criteria they published when we pulled the panel in September 2026. That gap is the reason this page exists: the two conditions are usually asked about separately, and it is the combination that decides where a case can go.

The lenders that accept it

Named because panel composition is a fact rather than a recommendation. Inclusion is not an endorsement, the list is not the whole market, and every one of them applies its own checks before it offers anything.

Atom Bank, Barclays, Charity Bank, Eastern Credit, Ecology Building Society, HSBC, NatWest, Ortus Secured Finance, Unity Trust Bank.

122 live products across 9 lender brands, checked September 2026. Panel composition changes over time.

What to have ready

Because the property is in Northern Ireland, the lenders above will want that evidenced at the start rather than discovered at valuation. Sending a case to a lender that does not accept the combination costs a search on the file and a fortnight, which is the expensive part of getting this wrong. We arrange the case to the lenders whose published criteria it actually fits, and we tell you which ones those are before anything is submitted.

Check your case against these 9 lenders

One enquiry, and we say which of them your figures fit and which would decline, before anything goes in.

Start an enquiry 0333 041 3127

Frequently asked questions

9 distinct lender brands on our commercial mortgages panel have at least one live product that accepts fully commercial property where the property is in Northern Ireland, out of 38 that accept fully commercial property at all. Panel figures were checked in September 2026 and composition changes over time.
Adding Northern Ireland takes the panel from 38 lenders to 9, so 29 lenders that would otherwise consider fully commercial property will not on this basis. That is the practical value of knowing both conditions before anything is submitted, because an application to a lender whose criteria you do not meet is a wasted search on your file.
No. It is the lenders on our own panel with a live product matching both conditions when we last pulled the data in September 2026. Other lenders exist that we do not have access to, and panel composition changes month to month, which is why the figure is dated rather than presented as fixed.

Related criteria

Back to commercial mortgages

Important information

CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender, and we do not provide financial, tax or legal advice. We work with a panel of lenders whose particulars are available on request. If a deal completes the lender pays us a commission, at no cost to you; different lenders pay different amounts under different models, and we will tell you the amount for your deal on request. All lending is subject to status, valuation where applicable and the lender's own checks.

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing other debts against your home or property.

Registered office: Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT. Company No. 14433858.