Commercial Mortgage

If you're planning to move, expand or improve your company premises, a Commercial Mortgage can help you plan your development in a manageable and affordable way.

Your property may be repossessed if you do not keep up repayments on your mortgage

At a glance

  • Borrow up to 75% of the purchase price or professional valuation (whichever is lower)

  • £25,001 minimum loan amount - with no maximum limit

  • Repayment period between 2 and 30 years

  • Select a fixed1 or variable rate with monthly or quarterly interest payments

  • Defer up to two loan repayments in any year OR take capital repayment holiday option for first 2 years2

  • Optional capital repayment holidays for all, or part, of the first 24 months2

Apply for Commercial Mortgage

Apply for a Commercial Mortgage

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0800 731 8908

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Important information
Before using the repayment indication tool, please read the following document showing how we will use your information.

Key benefits

Borrow £25,001 or more to move, expand or improve your business

Get an idea of the repayment costs with our repayment indication tool

Choose from a wide range of repayment options

For loans over £100,000, LIBOR-linked rates are available

Choose the rate option that suits your business

Interest rates

Interest rates are charged as a margin over a reference rate (for example Bank of England Base Rate or London Interbank Offered Rate (LIBOR2) or the cost of funds for fixed interest rate loans.

  • Variable rate – you pay an agreed interest rate margin, which is added to the Bank of England Base Rate or LIBOR. This allows you to benefit if interest rates fall, but could leave you exposed to increased repayments if rates rise. If the loan is repaid early, a prepayment fee may be payable.
  • Fixed rates – you have a fixed payment amount so that, no matter what happens to the Bank of England Base Rate, you can be sure of the amount of your repayments for periods of up to 10 years. If the loan is repaid early, a prepayment fee may be payable and if you repay the loan within a fixed rate period, you may also have to pay an early repayment charge.

Important information

Your property may be repossessed if you do not keep up repayments on your mortgage

1 If the loan is repaid early then an early repayment charge will be payable.

2 These options must be agreed at the start of the loan. Taking a capital repayment holiday or deferring loan repayments will increase the total interest charged and the total amount payable over the full term of the loan.

3 £100k is the minimum amount available for LIBOR loans. Availability is subject to status.

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