Summary: Qualifying for a commercial mortgage typically requires demonstrating consistent business profitability, possessing a significant deposit (usually 25% or more of the property value), and having directors or owners with clean personal credit histories. Lenders assess both the viability of the business and the suitability of the property itself, and applicants must be prepared to provide extensive financial documentation and often a personal guarantee, meaning your personal property may be at risk if repayments are not made.