We provide mortgages for the purpose of purchasing, remortgaging or capital-raising against commercial and semi-commercial properties that are rented as investments.

We lend against purchase priceopen market vacant possession, or investment valuation - whichever is lowest.

We are able to lend to the following:

  • Individuals / Partnerships
  • UK Limited Companies
  • Limited Liability Partnerships

 We accept the following as security:

  • Industrial units, factories and warehouses
  • Prime location and city centre offices
  • Retail units
  • Professional practices
  • Mixed use properties

We provide:

  • Loan terms from 5 to 25 years
  • Loans from £300,000 up to £20,000,000 maximum per portfolio.
  • Up to 75% LTV
  • Repayment, part & part and interest only payment options
  • No compulsory insurance arrangements (fees and conditions apply)
  • No requirement to transfer your business bank account
Contact your dedicated regional team here.

Available products


All loans are subject to status and secured against property. Sometimes, other additional security may be required. We do not lend to offshore companies. Your interest rate will be linked to the Bank of England Base Rate, or you can choose from a range of fixed rates (early repayment charges, an arrangement fee and other fees will usually apply).

Our charges

Early repayment charges

You can pay off your mortgage early whenever you want, but you will have to pay an early repayment charge if you repay all or part of your mortgage within a specified period. Additional interest will be payable in the event of early redemption of the mortgage. Please contact Commercial Lending on 01733 372 425 to discuss what Early Repayment Charges are applicable to our products.

For a full list of our mortgage charges and a description of when these may apply, you can download our Guide to Fees and Charges.


We are happy to consider lending beyond the length of the occupational lease. To do this, we’ll need to understand the transaction as a whole and your own financial status.

We’ll then work to find a suitable proposal; in some instances this may mean providing a loan at a lower Loan to Value or over a shorter mortgage profile to mitigate the risk of a short remaining lease to the occupying tenant.

How to apply

Existing user

If you've completed an application with us before and have access to our Broker Portal, log in to apply.

For more information, see our Broker Portal user guide.

If you need help with a new enquiry, or you're unsure about our criteria, then please submit an enquiry and our dedicated Business Development Team will come back to you with an indication of terms or a “quick yes or no” within 48 hours.

New user

If this is your first application with us, please submit an enquiry or contact your local lending manager.

What happens next?

Decision in Principle - The first thing we'll do is issue you with a DIP letter; you need to review this and add any details.  

Valuation - A valuation will need to be carried out. Your lending manager will let you know the costs and make sure we have all the correct information so this part runs smoothly. 

Meeting - Your relationship director will ask you some questions about your application and give you an idea of timescales. 

Underwriter - Your relationship director will make a submission to our Customer Due Diligence and Credit teams for approval. 

Mortgage offer - Once your application is approved, you'll be asked to pay a commitment fee to allow us to issue your Mortgage Offer letter, and progress your application to the legal process.