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. 

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 period3

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 loan3 and overdraft amounts4 might be available if you call 0333 202 7431 

Other funding options

Compare our business borrowing with borrowing offered by other lenders5. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.

Funding Options

Its award-winning technology searches the market to find the right funding for your business’ situation. It’s quick, easy to use, and their team’s on hand if you need help.

Alternative Business Funding

It offers a free and easy way to find different funding options, focusing on making things simple for business owners who don’t have much time on their hands.

Funding Xchange

It shows you competing offers from lenders, to make sure you see the best terms. You’ll see quotes from up to 45 lenders, in a simple format, so you can easily compare and choose the offer that’s best for your business.


It shows you the broad range of funding options that are available to businesses across the UK and Ireland. After assessing your needs, it matches you with the right solution from over 1000 providers.

Contact us

Why not have us call you back?

If you want to apply or find out more about this finance option, you can request a callback from one of our Business Relationship Managers.


Already bank with us?

For help and support, or to talk about other products and services we offer, call us on

0800 027 13216.