Commercial mortgage

• Borrow from £25,000.
• Terms of up to 25 years.
• Borrow up to 70% of the value of the property – and in certain cases, more.
• Base rate linked and fixed rates available.
• With base rate linked mortgages you may apply for flexible capital repayment holidays of up to two years (taken in blocks of three months).
• Repayments on fixed rate loans remain the same even if the base rate drops or rises.
• Early repayment charges may apply if you repay all or part of your fixed rate mortgage before the end of the agreed term. These charges do not apply to base rate linked mortgages.
• Other borrowing terms may be available.

Talk to us about your plans and needs and we’ll help you work out how much can be made available and agree the interest rate with you. Arrangement fees, security and valuation charges will apply.

For interest only, the actual amount borrowed doesn't reduce during the life of the mortgage so you need to repay the full capital amount at the end of the mortgage term.

All loans are subject to status and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay.

We will require a first legal charge over the property as security. This means if you are remortgaging an existing property, any loan secured on it must normally be repaid before completion.