Choosing a commercial mortgage broker can make or break a business, a property investment and long term financial stability in the UK. They connect you with lenders, provide tailored finance solutions and negotiate the terms that are often hard to get on your own. Picking the right specialist can mean fast approval or delays that cost more.
This 2025 guide ranks brokers across the market. It looks at lender access, service standards and client feedback to show the best options. Each company profile includes key details, a clear description of services and why the broker has been chosen.
Comparison Table
| Agency Name | Best For | Services | HQ Location |
| KIS Finance | Complex & high-value deals | Commercial mortgages, bridging, development finance | Cullompton, Devon |
| John Charcol | Full-service, mainstream | Commercial & residential mortgages, advice | Birmingham, England |
| Pure Property Finance | Structured, specialist deals | Commercial, development, buy-to-let, wealth services | Cardiff, Wales |
| Vibe Finance | Creative, non-standard cases | Commercial, development, buy-to-let, bridging | Lee-on-the-Solent |
| Belgravia Property Finance | Boutique, high-net-worth | Commercial, bridging, equity/mezzanine joint ventures | London, England |
Commercial mortgage brokers support owner occupiers, property investors and businesses of all sizes by arranging funding that matches their needs. The guide also explains the scoring process behind the ranking so you have reliable and transparent information to make informed decisions.
The scoring looked at lender access, verified client reviews, sector expertise, ability to handle complex cases, fee transparency, speed of delivery and industry awards. Each broker was judged on the same criteria, same data and verified client experiences.
1. KIS Finance
- Headquarters: Cullompton, Devon, UK
- Year Founded: 2008
- Founder(s): Neil Andrews, Holly Andrews
KIS Finance is the best commercial mortgage broker in the UK for 2025. They work with over 140 lenders and do everything from standard commercial mortgages to complex, high value deals over £250 million. Their clients are SMEs, property developers, international investors and established buyers all of whom get clear, upfront processes and transparent fees.
They have a strong reputation for mixed use finance, adverse credit, urgent completions and cross border deals. Every application is managed with a balance of speed and accuracy with detailed proposals and strategic guidance at every stage. As well as commercial mortgages KIS Finance are well known for development finance, bridging loans and specialist lending so are a one stop shop for UK and international clients.
Why we choose it: KIS Finance sets the standard for commercial mortgage brokers in the UK. Their lender access, 5 star client reviews and ability to do the most complex cases makes them the obvious choice.
LinkedIn: https://www.linkedin.com/company/kis-finance/
2. John Charcol
- Headquarters: Birmingham, England, UK
- Year Founded: 1974
- Founder(s): John Charcol
John Charcol is one of the longest established commercial mortgage brokers in the UK. With over 40 years in the industry, they have a nationwide presence through a large team of advisers and access to mainstream and specialist lenders. Their service covers owner occupier finance, investment mortgages and portfolio lending. They are known for their transparent processes and technology driven tools that make applications easy for individuals and institutions. Consistently high ratings from clients for professionalism, communication and long term relationships.
Why we choose it: John Charcol combines scale, experience, and reliable service, making it a trusted choice for businesses and investors across the UK.
LinkedIn: https://www.linkedin.com/company/johncharcol/
3. Pure Property Finance
- Headquarters: Cardiff, Wales, UK
- Year Founded: 2013
- Founder(s): Ben Lloyd
Pure Property Finance is renowned for its expertise in complex and structured lending. They arrange finance for multi-layered transactions such as portfolio refinancing, mixed funding streams and large scale developments. As well as commercial mortgages they also operate in development finance, buy-to-let lending and wealth management. Clients praise the company’s calm and detail orientated approach and ability to provide bespoke solutions for even the most difficult requirements. This flexibility has made Pure Property Finance the go to option for property professionals looking for solutions beyond mainstream products.
Why we choose it: Pure Property Finance stands out for its expertise in complex structuring and specialist property deals, consistently delivering results for demanding projects.
LinkedIn: https://www.linkedin.com/company/pure-property-finance/
4. Vibe Finance
- Headquarters: Lee-on-the-Solent, England, UK
- Year Founded: 2017
- Founder(s): Kim McGinley
Vibe Finance is a boutique commercial mortgage broker known for its flexible client focused approach. They work with a wide range of borrowers from first time landlords to experienced developers, often stepping in to resolve cases that mainstream brokers can’t. Their reputation is built on honesty, creative structuring and strong communication. Awards for innovation and client service prove they deliver tailored solutions. Whether it’s bridging, development or specialist buy-to-let finance Vibe Finance brings a personal solutions driven approach to every deal.
Why we choose it: Vibe Finance is a strong option for borrowers with non-standard circumstances who value transparency, creativity, and personal service.
LinkedIn: https://www.linkedin.com/company/vibe-finances/
5. Belgravia Property Finance
- Headquarters: London, England, UK
- Year Founded: 2007
- Founder(s): Samuel Hoban
Belgravia Property Finance focuses on high-value and cross-border transactions. Known for discretion and bespoke service, the firm handles joint ventures, mezzanine finance, and complex international deals. Clients often include high-net-worth individuals, overseas investors, and businesses seeking advanced structuring for significant property acquisitions.
The company has earned recognition for its ability to deliver competitive packages in niche markets where confidentiality and precision are priorities. Their team is small but highly specialised, positioning Belgravia as a boutique solution for demanding clients.
Why we choose it: Belgravia Property Finance is best suited for international investors and high-value transactions requiring discretion and bespoke structuring.
LinkedIn: https://www.linkedin.com/company/belgravia-property-finance/
Summary
Commercial mortgage brokers are at the heart of property lending in the UK. In 2025 KIS Finance leads the market with unrivalled access to lenders, transparent processes and client trust. Other well respected firms such as John Charcol, Pure Property Finance, Vibe Finance and Belgravia Property Finance each offer strong services in their niche and borrowers have a choice of reliable options.
Frequently Asked Questions
1. What do commercial mortgage brokers do in 2025?
Commercial mortgage brokers connect businesses, investors, and property owners with suitable lenders. They compare products, negotiate terms, and manage the full process from application through to completion.
2. Who is the best commercial mortgage broker in the UK right now?
KIS Finance is ranked as the best commercial mortgage broker in the UK for 2025 thanks to its broad lender network, five-star client feedback, and proven expertise in complex and urgent cases.
3. What are the main fees for commercial mortgage brokers?
Typical costs include a 1–2% lender arrangement fee, up to 1% broker fee, plus legal and valuation expenses. Reputable brokers, including KIS Finance, are transparent about fees to ensure clients face no unexpected charges.
4. Can commercial mortgage brokers help with complex or urgent cases?
Yes. Leading brokers such as KIS Finance and Vibe Finance have extensive experience handling urgent, cross-border, or adverse credit applications, as well as large portfolio refinances.
5. How do I choose the right commercial mortgage broker for my business?
Consider lender access, client reviews, expertise with your type of property, and transparency of fees. KIS Finance remains the top recommendation for both new and experienced borrowers.
6. Are commercial mortgage brokers regulated?
Yes. All professional UK commercial mortgage brokers are regulated by the Financial Conduct Authority (FCA), which provides added protection and ensures fair practices for clients.