Editor's note: This brief was summarised by The Property AI Newsroom from a report by Mortgage Solutions. Read the original article for full details.

London Credit Raises LTV to 70% and Cuts Commercial Rates

London Credit has increased its maximum loan to value (LTV) from 65% to 70% and reduced commercial rates, with pricing now starting from 0.72% per month. The lender says the enhanced proposition is available across a broad range of commercial property transactions, including acquisitions, refinancing, and investment transactions.

The changes are designed to give brokers greater flexibility when structuring commercial property deals. London Credit states that the new rates and higher LTV apply to various types of commercial property transactions.

Recent figures cited in the report show that more buy-to-let landlords are moving towards commercial or semi-commercial property investments. Analysis by lender Together of HMRC data shows an 18% increase in the volume of commercial and mixed-use or semi-commercial property purchases between 2022 and 2025, rising from 95,660 to 113,750. Together’s own data also shows a 9.8% increase in the number of semi-commercial and commercial mortgages written over the same period, from 1,538 to 1,690.

In March, London Credit launched an enhanced refurbishment finance range.

These developments may be of interest to UK letting agents and inventory clerks monitoring trends in commercial property investment and financing.