Commercial mortgage rates are typically higher than residential property finance. However, the commercial mortgage rates and terms available to you will depend on a number of factors – and a broker like Articus can negotiate the best deals on your behalf. As with residential finance, it’s usually the case that the larger deposit you are able to place, the cheaper your interest rate will be, and vice versa. However, that’s not to say that there aren’t good deals available for those looking to take out a commercial mortgage at a high loan to value (LTV): it all hinges on knowing the market, presenting your case appropriately, and negotiating effectively. When planning to take out a commercial mortgage, you should also budget for arrangement and valuation fees.