Commercial Mortgage

Whether you’re moving to a bigger office or expanding to multiple locations, our Commercial Mortgage is a straightforward way to help spread the cost.

Features and benefits

  • Interest rate reduced by 1% as part of the Lloyds Bank Funding for Lending Scheme.
  • Apply for a minimum of £25,001 and choose a loan term from three to 25 years.
  • Borrow up to 70% of the property value. In some cases we can lend more.
  • Choose between a bank rate linked or fixed interest rate*.
  • Capital repayment holidays of up to two years may be available on bank rate linked mortgages.
  • If you wish to borrow on other terms we may still be able to help you.


You also need to know that:

  • Security may be required.
  • Your business may be charged an arrangement fee, as well as security and valuation fees.
  • For interest only mortgages, the actual amount borrowed doesn't reduce during the life of the mortgage. You’ll need to repay the full capital amount at the end of the mortgage term.
  • If you repay part, or all, of your fixed rate mortgage before the end of the agreed term then you may need to pay an early repayment fee. This could be substantial depending on the interest rate at the time. This fee does not apply to bank rate linked loans.
  • We will require a first legal charge over the property as security. This means if you’re remortgaging an existing property, you must repay any loan secured on it before completion.


Read our charter to find out how we're committed to lending to businesses.

Complete our request for further information form

To enquire about this mortgage, you must:

  • require the mortgage for business use
  • be a sole trader, partner or director with authority to borrow on behalf of your business
  • be aged 18 or over.


One of our business management team will be happy to speak with you about your enquiry. However, before you get in touch, please make sure you know:

  • how much you would like to borrow
  • why you need the new premises
  • what time period you would like to make the repayments over.

Enquire online

Completing our business loan calculator takes about 10 minutes. Once we receive your information, we’ll contact you to discuss your business needs in more detail.

On the phone

0800 022 4378

Call us to talk to our business management team. We are available from 9am to 5pm Monday to Friday.


Any property given as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

How to enquire

Enquire online

Completing our business loan calculator takes about 10 minutes. Once we receive your information, we’ll contact you to discuss your business needs in more detail.

On the phone

 

0800 022 4378

Call us to talk to one of our business management team. We are available from 9am to 5pm Monday to Friday.

    Finance selector

    A convenient way to help you decide which of our finance options could be right for your business.

    Funding for Lending

    As part of our participation in the Funding for Lending Scheme, we have reduced the interest rate by 1% on all approved business loan, commercial mortgage and hire purchase applications received after 10th September 2012.