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Commercial Mortgage

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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 variable¹ or fixed² rate with monthly or quarterly repayments

Variable rates can track the Bank of England Base Rate³, a near Risk Free Rate (RFR) such as SONIA, SOFR, TONAR and SARON⁴ or for USD only USD LIBOR.

Optional capital repayment holidays for all, or part, of the first 24 months⁵

Interest rates

Interest rates are charged as a margin over a currency reference rate (for example Bank of England Base Rate, near Risk Free Rates (RFRs) such as Sterling Overnight Index Average (SONIA), USD LIBOR or the cost of funds for fixed interest rate loans.

  • Variable rate1 – you pay an agreed interest rate margin, which is added to reference rates such as the Bank of England Base Rate or a RFR. This allows you to benefit if interest rates fall, but could leave you exposed to increased repayments if rates rise.
  • Fixed rate2 – you have a fixed payment amount so you can be sure of the amount of your repayments for the fixed term.

* Non-sterling currencies, Risk Free Rate (RFR) linked facilities, such as SONIA, SOFR, TONAR or SARON and USD LIBOR are subject to eligibility criteria and only available to businesses with turnover of £25m or above. Contact your relationship manager for further information.

Important information

Business banking price list (PDF,274KB)

Read a copy of our current price list

Get help choosing the right type of loan and preparing a strong application

If your lending application is declined, find out how you can appeal the decision

Find out what you can expect when you borrow from HSBC

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