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If you’re looking to buy property for your business to occupy, or to build your investment property portfolio, a commercial mortgage could help.
A commercial mortgage could help you spread the cost of moving to new business premises or expanding to multiple locations. It can also help you buy rental properties to build or expand your buy-to-let portfolio.
As a loan secured against company property, it could be more cost-effective than a business loan*.
You can also remortgage a commercial property with us to release cash for your business or save money on an existing loan.
A commercial mortgage, also known as a business mortgage, is a loan that can only be used to fund a commercial property for business use. A residential mortgage is a loan that is used to fund a residential property, usually your home.
This will depend on your circumstances, but we can lend up to 70% of the property value.
Yes, we can help you find the right commercial mortgage and guide you through the application process.
Yes, you can apply for a commercial mortgage to purchase rental properties for your business.
No, you don’t need to have a Lloyds Bank Business Current Account to apply for a commercial mortgage with us.
To grow a resilient business that’s around for the long term, you must plan for sustainable growth. That means understanding the current situation and having a vision for the future.
All lending is subject to status. Security may be required.
*Arrangement fees, security fees and valuation fees may apply when you take a commercial mortgage so you’ll need to take these into consideration when comparing it against a business loan.
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.
There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same rate.
Authorisation can be checked on the Financial Services Register at www.fca.org.uk under the Firm Registration Number 119278.