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Commercial Mortgage

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This could be the right solution for you if you want to buy or re-finance new or existing business premises for your own business use. 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)

Minimum loan amount of £25,001 – maximum loan amount* is subject to status


An arrangement fee** may be payable

Repayment period between 2 and 30 years

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

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.

Green SME Cashback Fund

You can apply for cash back from the Green SME Cashback Fund, if the loan supports an eligible purpose

Our £15bn lending fund could be the cash boost to help you realise your ambitions

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. Maximum fixed rate period is 10 years.

* 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,272KB)

Read a copy of our current price list

Guide to business borrowing

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

Appeals for borrowing

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

The Standards of Lending Practice

Find out what you can expect when you borrow from HSBC

£15 billion lending fund

If you’re ready to take your business to the next level, come and talk to us about our £15 billion lending fund for small businesses.

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