Commercial property investment
If you’re looking to remortgage or expand your portfolio, we understand the potential of commercial property – as well its pitfalls. Our real estate team is here to help you make the most of your investment opportunities.
Borrowing as a landlord
Like all projects, yours will be unique, so we can tailor our loans to your individual business needs.
- Loan to value up to 65%
- Repayment profiles of up to 25 years
- Terms of up to seven years if you’re making regular equal payments, or five years for interest-only repayments
- Fixed or variable rates.
Is this right for you?
What you’ll need to apply
To apply for a commercial property investment loan, you need to be looking to remortgage or expand your property portfolio. As part of the application process, you’ll need to give us certain details. Depending on our business, and planned project, there could include:
- Three years’ audited or certified accounts, and your current management figures, if you have them
- Six months’ bank statements
- An assets and liabilities statement.
What you need to know
- For a fixed-rate loan, we may charge prepayment fees if you repay all of it early or make overpayments. If you pay off or cancel the loan before the end of the agreed term, we might also charge a breakage fee
- If we have lending fees and borrowing costs, we can add them to the loan
- We’ll consider your application based on your business’s unique needs.
We may be repossess any property you use as security, which could include your home, if you don’t keep up repayments on your mortgage.
Green commercial investment
Discounted interest rates could be available if you’re looking to remortgage or expand your property portfolio to include energy efficient buildings (with an Energy Performance Certificate (EPC) rating of B or above), our Green Loans for Business could help.
Investing in green assets could help you prepare your business for a lower-carbon future.
Borrow from £25,001 and get a discounted interest rate on eligible green assets.
Subject to eligibility, other product features apply as standard.