We provide mortgages for the purpose of purchasing, remortgaging or capital-raising against residential investment property owned via a limited company or limited liability partnership.

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

We are able to lend to the following:
  • UK Limited Companies
  • Limited Liability Partnerships
  • New/existing SPVs & Trading Businesses
We accept the following as security: 
  • Houses
  • Flats
  • Bungalows
  • Multi-Unit Freehold Blocks (MUFBs)

We provide:

  • Loan terms from 5 to 25 years
  • Loans from £500,000 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 the property with full personal guarantee(s) required. Sometimes additional security may be required. Early repayment charges and an arrangement fee apply. Other fees may also apply. Exclusions and conditions apply. For more information you can call us on 0333 414 1171.

Does your property require mandatory licencing? Our House of Multiple Occupation ('HMO') product may be a better fit.

Criteria & important info

Fees & Charges

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


It all depends on what your plans are for the flat.

If the residential part is less than 40% of the whole property, then you can take out a commercial mortgage, regardless of what you intend to do with the flat.

If the flat is more than 40% of the total area and you are intending to let the flat out on an Assured Shorthold Tenancy, you can still have a commercial mortgage.

On the other hand, if the flat is more than 40% of the total area and you or your immediate family plan to live in the flat, you may need to consider a residential mortgage which is regulated by the Financial Conduct Authority (FCA). In which case, unfortunately, we would be unable to help you.

Yes, our Corporate BTL product is suitable for properties which do not require either mandatory or local authority licencing. If you do require a licence, check out our HMO product here.

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.