COMMERCIAL
MORTGAGES
Concise, constructive, comprehensive and convenient
A New Era in Commercial Lending
With a focus on flexible financing, our commercial mortgages have been built around your clients’ needs. A natural progression from residential buy-to-let, we aim to support individual and corporate landlords with their commercial portfolios. ICR stress testing is set at 125% and we lend against a wide variety of business enterprises, including hotels, offices and retail spaces as well as warehouses, data centres and more.
PRODUCTs
Standard Commercial
Suitable for individual and corporate borrowers, we provide your clients with the resources they need to build and grow their business interests. With up to 75% LTV, we lend on a wide range of asset types including hotels, offices retail spaces and food outlets.
Specialist Commercial
Specifically designed for more complex property types, we offer up to 70% LTV on a number of sectors including education, energy and leisure facilities, car parks and selected sports venues, and lend between £100,000 and £2,500,000.
Commercial Mixed Use
Suitable for semi-commercial properties with 60% to 80% commercial space, or more than two commercial units up to 70% LTV. Supporting your clients’ commercial property needs.
Standard Commercial
Suitable for individual and corporate borrowers, we provide your clients with the resources they need to build and grow their business interests. With up to 75% LTV, we lend on a wide range of assets including hotels, offices retail spaces and food outlets.
Specialist Commercial
Specifically designed for more complex property types, we offer up to 70% LTV on a number of sectors including education, energy and leisure facilities, car parks and selected sports venues, and lend between £100,000 and £2,500,000.
Commercial Mixed Use
Suitable for semi-commercial properties with 60% to 80% commercial space, or more than two commercial units up to 70% LTV. Supporting your clients’ commercial property needs.
Intermediary resources
FIND YOUR BDM
Our regional BDMs are here to help you. Their experience and expertise ensures that you receive the support you need throughout the application process, from the initial discussion to completion.
FAQs
Find out more about our mortgages via our FAQs. If you still have questions that need answering then get in touch with us via the link below.
A commercial mortgage is a mortgage specifically aimed at borrowers who are looking to purchase or remortgage a property for commercial use. Our commercial proposition also includes semi-commercial and commercial mixed-use products. Please refer to our product guides for clarity.
Yes, we lend to individuals, limited companies and limited liability partnerships (LLPs).
Our standard commercial product covers: automative, children’s day nurseries, data centres, garden centres, general industrial, healthcare, hotels, guest houses, B & Bs, hostels, offices, retail, storage, student accommodation and food outlets.
Our specialist commercial product covers: car parks, education, energy, leisure, science & technology, logistics, sports venues (no golf courses or football clubs) and utilities.
No, we do not lend against land.
We accept owner-occupier borrowers subject to the property being in an opco/propco structure.
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