commercial mortgage

Commercial mortgages

Commercial mortgages built around you

Whether you need to buy a new building or release equity from your existing one, a commercial mortgage could be the answer1.

What is a commercial mortgage?

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

Key features and benefits

A commercial mortgage that gives you greater flexibility.

Borrow over a longer time 

Choose any repayment from 1 to 25 years. 

Capital repayment holiday

Option to take an interest-only period2, subject to status and application.

Flexible terms available 

Choose a variable or fixed-rate mortgage. You can switch from a variable to a fixed rate.

Fixed interest rates

Fixed-rate mortgage available for 10 years.

All mortgages are subject to application and status. 

How to apply for a commercial mortgage

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 produced)

Two months’ bank statements

Assets and liabilities statement

Terms and fees

Apply for a business mortgage for amounts over £25,000

Fixed-rate terms from 1 to 10 years

Prepayment fees may apply if you repay all or part of your loan before the expiry of the agreed term

Lending fees and associated borrowing costs apply and can be added to the loan

For fixed-rate loans, if you decide to pay or cancel the fixed interest rate you may have to pay a breakage cost in addition to other fees such as prepayment fees 

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage. 

Ready to apply or want to find out more?

I have a Barclays Business account

Call us3 on 0333 202 7431 to speak to a lending specialist. Lines are open Monday to Friday, 8am to 8pm. 

I’m new to Barclays Business

Call us on 0800 515 462 to see how we can help. Lines are open Monday to Friday, 8am to 6pm. 

You may also be interested in

Business mortgages

Choose from our range of business mortgages, and get the right kind of support with our specialist industry knowledge1.

Borrow from £25,000

Buy new premises or release equity from your current buildings

Fixed and variable rates available

Buy-to-let for limited companies

If you’re a limited company looking to grow or develop your property portfolio with up to three properties, a buy-to-let mortgage could be the answer.

Loan to value up to 70% for repayment and 65% for interest-only

Mortgage terms from 1 to 25 years

Expert support from one of our dedicated Real Estate Managers

Loans for large purchases or investments

Unsecured borrowing that helps businesses spread the cost of a purchase over a set period4

Borrow up to £100,000 online

Fixed or variable rates

Monthly repayments from 1 to 5 years 

All business borrowing

We can help you get off the ground or expand 

Explore all of our business options 

Higher loan4 and overdraft amounts 5 might be available if you call 0333 202 7431