Commercial Mortgages

Our Commercial Mortgages are a simple yet effective method to help spread the cost if you’re moving to a bigger office, or expanding to multiple locations.

Residential Buy-to-let Mortgages

Our Residential Buy-to-let Mortgage is suitable for business clients who originate their main source of income from the sector, and own property let for residential occupation, multiple occupation and student lets. 

Key features and benefits:

  • Apply for a minimum of £25,001 and choose a term loan from 3 to 25 years.
  • Borrow up to 70% of the property value.
  • Choose between fixed or variable interest rates to suit your business needs. 
  • Capital repayment holidays may be available.
  • If you wish to borrow on other terms, we may still be able to help you. 

Keep in mind:

  • Security will be required.
  • Your business will be charged an arrangement fee, and may be charged 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. 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 re-mortgaging an existing property, you must repay any loan secured on it before completion. 


To be eligible, 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.

Before you get in touch

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. 

How to enquire

For businesses with a turnover between £0-3m

Call 0345 072 5555


We’re available from 9am to 5pm, Monday to Friday, except public holidays. 

For businesses with a turnover between £3-25m

Call 0800 022 4378

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.


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. 

All lending is subject to status. Security may be required.

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.

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB:

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.