Commercial Mortgages

A commercial mortgage is a type of loan for businesses that want to borrow over £25,000. The mortgage is secured by a first legal charge on your business premises. A commercial mortgage can be used for:

• Buying property

• Investment finance

• Property development

• Refurbishing owner-occupied business premises

• Buying motor vehicles, machinery and other equipment


Features & Benefits

• Borrow over a longer time: Choose any repayment from 1 to 25 years.

• Maximum LTV: Up to 80% (95% for existing customers)

• Flexible terms available: Choose a variable or fixed-rate mortgage. You can switch from a variable to a fixed rate

• Capital repayment holiday: Option to take an interest-only period, subject to status and application

• Fixed interest rates: Fixed-rate mortgage available

• We offer a fair appeal process should you feel we've not taken all your circumstances into consideration, if your application is declined. • Not available for all industries and subject to application, financial circumstances and borrowing history. Terms and conditions apply.



To find out if you’re eligible for a commercial mortgage, you’ll need to provide

• Three full years’ audited or certified accounts plus current management figures (if available)

• Three months’ most recent bank statements

• Assets and liabilities statement

• Lending fees and associated borrowing costs apply and can be added to the loan (excludes search fees)


Ready to apply?

Kindly complete an online application form here. No paper applications available.


All mortgages are subject to application and status. Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.



Related Mortgages

Buy to Let Mortgages

Regulatory Compliance


The Financial Conduct Authority (FCA) does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, earned wage access schemes, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Not all borrowers will qualify for a loan, and not all applicants will be approved for their requested loan amounts, and loan repayment periods vary by loan type also. We may use collection services for non-payment of loans.

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. Loans are subject to status and affordability. Loan rates will depend on your credit profile. UK residents only.

Not all our loans require a collateral, but any property used as security, which may include your home or business (incl operating premises), may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

No Upfront Fees. All applicable fees are VAT inclusive.