Commercial Mortgage

A commercial mortgage could help your business evolve

A commercial mortgage could be ideal for a business looking to expand.

Fixed or variable rates available

No arrangement fees for new borrowers

Take repayment holidays at the beginning (conditions apply)

Mortgage terms can be up to 25 years

 

Whether you’ve already found the property you want to purchase, or are still exploring the options for your business, get in contact with us. Our relationship managers will assist you through the process of purchasing a property and getting the right commercial mortgage for your business.

 

Mortgage in detail...

Features

A choice of loan

You can borrow from as little as £35,001 with no upper limit. (Subject to status)

A choice of interest rate options

Our fixed and variable rates allow you to tailor your repayments to suit your business.

No early redemption charges

That’s right! There are no early redemption charges for new borrowing, regardless of how much you want to borrow.

Flexible repayments

You could take a capital repayment holiday at the beginning of the mortgage.

Flexible repayments – in detail

You could take a capital repayment holiday at the beginning of your mortgage term. This can really help if you need to re-focus more of your finances elsewhere.

What you should know

Interest will still be charged during the capital repayment holiday and your monthly payment may increase afterwards.

Expert assistance

Our experts are on hand to help with: anything from moving to large premises to buying your first business property.

Benefits

Why choose our Commercial Mortgage?

Owning your own premises can be a good way to make a huge investment in your business.

Mortgage benefits – in detail

With our Commercial Mortgage, you’ll also benefit from any increase in the property’s value and you won’t have the constraints of renting.

We also offer flexible Commercial Mortgages and repayment options if you’re looking to develop and expand existing premises.

Useful info about our business accounts

No, you’re still very welcome to apply. We’ll just have to ask you a few more questions than we would if you were an existing customer.

All assessments of eligibility for lending are done on the basis of the credit history of the individual, business owners or directors. Credit Scoring is part of the process used by banks and other lenders to help assess whether they will lend to you. 

Yes, you can take Capital Repayment Holidays at the beginning (subject to agreement).

A poor credit rating or score can mean you are charged higher interest rates or even refused lending. Remember that we don't have to give you the interest rate we are advertising or that you have seen on comparison websites.

Take a look at our Commercial Mortgage Fact Sheet here

Buy-to-let mortgages are suitable if you have 10 or less properties which you act as a landlord for and don’t intend to purchase the property through a business entity.

Find out more about our Buy-to-let mortgage here

Get a quote or start an application

Great, thanks for choosing our Commercial Mortgage. Let's get started. Is your business turnover...

Are you an existing or new customer?

If you have a relationship manager, give them a call. If you don't have their number or are a new customer, please click on the contact us button below and give us a call.

Lines are open 9am-5:30pm Monday to Friday. Calls may be recorded and call charges from residential, business and mobiles vary, depending on your telephone operator's tariff.

Business and Relationship Managers are available 9am-5pm Monday to Friday.

 

Phone lines closed or short of time? Click here to schedule a callback

Are you an existing or new customer?

If you have a relationship manager, give them a call. If you don't have their number or are a new customer, please click on the contact us button below and give us a call.

Lines are open 9am-5:30pm Monday to Friday. Calls may be recorded and call charges from residential, business and mobiles vary, depending on your telephone operator's tariff.

Business and Relationship Managers are available 9am-5pm Monday to Friday.

 

Phone lines closed or short of time? Click here to schedule a callback

Additional support for your business

Thinking about Business premises?

There are several factors to consider before you decide on your business premises. We could help with the decisions and suggest ways you could finance it.

Your credit score

When you apply for a loan, we’ll look at your credit score. Our Business Credit Scoring Guide can help you manage your application. 

How to appeal a business lending decision

Hopefully we can approve the loan for you. However, we have strict lending criteria, so sometimes we have to decline.

Something else we can help you with?