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Commercial Mortgages

Buy your next business premises or build your investment property portfolio.

  • Ideal for your next HQ or rental investment.
  • Pick a term to suit you - from 3 to 25 years.
  • Remortgage to unlock cash or save on an existing loan.


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Commercial Mortgages built for your business needs

Spread the cost

Choose a term from 3 to 25 years when you apply to borrow more than £25,000.

Take a repayment holiday

Choose the period of time that you want to repay the loan in. Starting from 3 years.

Choose how you use it

Upgrade or expand your premises. Unlock cash by remortgaging.

How could a commercial mortgage support me?

Looking to release cash for your business or save money on an existing loan? Speak to us about remortgaging your commercial property.

As a loan secured against company property, it could be most 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.

How could a commercial mortgage support me?

Looking to release cash for your business or save money on an existing loan? Speak to us about remortgaging your commercial property.

As a loan secured against company property, it could be most 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.

Check if your business can apply

  • For new and existing customers.
  • The property you want to mortgage must be for business use.
  • You’ll need to be a sole trader, partner, or director with authority to borrow on behalf of your business.
  • You’ll need to be aged 18 or over.

Keep in mind

  • Your commercial mortgage will be secured against the property you are mortgaging.
  • 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 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 being proposed as security. This means if you’re re-mortgaging an existing property, you must repay any loan secured on it at completion. 

Company Mortgages

If you’re a Limited Company who solely buys, sells, or lets property, we could support you with buying or remortgaging your residential or commercial properties.

  • Mortgage terms up to 25 years.
  • Up to 70% Loan to Value (LTV) ratio.
  • Fixed and variable interest rate options. 

Company Mortgages

If you’re a Limited Company who solely buys, sells, or lets property, we could support you with buying or remortgaging your residential or commercial properties.

  • Mortgage terms up to 25 years.
  • Up to 70% Loan to Value (LTV) ratio.
  • Fixed and variable interest rate options. 

What we’ll need to know

How much would you like to borrow.

Why you need the premises.

What term you would like to make the repayments over.

Frequently asked questions

How we've helped businesses like yours

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Read how Colwith Farm distillery are producing award-winning vodka and gin in their distillery built with our funding.

Read Colwith Farm growth story

Cavan Bakery’s fortune’s rise with new premises

Find out how family-run Cavan Bakery has significantly expanded their operations with the support of a £1.5 million funding package. 

Read Cavan Bakery growth story

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. 

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

 

Lending appeals

The right type of funding can play a vital role in helping your business reach its potential. If your lending application is declined, we will work with the British Bankers’ Association to pursue any raised appeals.

Find out more about lending appeals

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.