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 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. 

Green commercial mortgage

  • Green commercial mortgage

    If you want to invest in green assets or an energy efficient building (with an Energy Performance Certificate (EPC) rating of B or above), a green commercial mortgage3 could help.  

    Investing in green assets could help you prepare your business for a lower-carbon future. Depending on which asset you choose, it could also help support energy efficiency, reduce emissions, make cost savings or generate additional income.

    Borrow from £25,001 and get a discounted interest rate on eligible green assets4.

    Subject to eligibility, other product features apply as standard. 

  • What you could purchase or re-finance

    A green commercial mortgage can be used for funding properties with an EPC rating of B or above, or equity release for the purchase of eligible green assets.

    You can only take out this loan for your business if the money is used towards eligible green assets like:

    • Energy efficient buildings
    • Solar panels
    • Battery storage5
    • Electric vehicles
    • Heat pumps
    • Building automation and insulation
    • Agricultural technologies.

    Find additional information and the full list of eligible green assets on our Eligible Green Asset Guide. [PDF, 6.8MB]

    Subject to eligibility, other product features apply as standard. 

  • Ready to apply?

    Contact us to discuss your needs, and we’ll progress your application if you’re eligible6.

    You may need to provide evidence of the eligible green assets you’re planning to buy or re-finance and any costs that will be associated with buying the assets. 

    Subject to eligibility, other product features apply as standard.

How we could support your sustainability journey

Green Loans for Business

Access a discounted interest rate when you finance or refinance eligible green assets. Eligible products include:

  • Green Barclayloan for Business
  • Green commercial mortgage
  • Green buy-to-let mortgage
  • SIPP/SSAS green property loan.

Subject to eligibility, other product features apply as standard. 

Planning your sustainability journey

Our specialist team could help you get started on your journey to becoming a more sustainable business.

Speak to a net zero specialist

Our specialist team will work with you to assess your current level of net zero progress. They'll provide next steps and resources tailored to your needs.

Green asset finance

We’ve partnered with industry experts Propel7 to help your business get access to quick and cost-effective finance for eligible green assets.

Borrow from £5,000 and you could get a competitive fixed rate for:

  • Electric vehicles
  • Solar photovoltaic (PV) panels
  • Battery storage units5
  • LED lighting
  • Heat pumps (air, water and ground)
  • Electric vehicle charging points.

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 period8

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 loan8 and overdraft amounts9 might be available if you call 0333 202 7431 

Other funding options

Compare our business borrowing with borrowing offered by other lenders10. 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.

Swoop

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 132111.