Commercial Mortgages

A commercial mortgage could help your business evolve

A commercial mortgage could be ideal for a business looking to expand.

Fixed or variable rates available

No arrangement fees for new borrowers

Take repayment holidays at the beginning (conditions apply)

Mortgage terms can be up to 25 years

 

Sometimes you can quickly outgrow your premises or perhaps you need more property because your business is expanding. That’s where our Commercial Mortgage can help.  

 

Mortgage in detail...

Features

A choice of loan

You can borrow from as little as £25,001 with no upper limit. (Subject to status)

A choice of interest rate options

Our fixed and variable rates allow you to tailor your repayments to suit your business.

Fee-free borrowing

That’s right! There’s no arrangement fee for new borrowing, regardless of how much you want to borrow. And there’s no early repayment fee.

Flexible repayments

You could take a capital repayment holiday at the beginning of the mortgage.

Flexible repayments – in detail

You could take a capital repayment holiday at the beginning of your mortgage term. This can really help if you need to re-focus more of your finances elsewhere.

What you should know

Interest will still be charged during the capital repayment holiday and your monthly payment may increase afterwards.

Expert assistance

Our experts are on hand to help with: anything from moving to large premises to buying your first business property.

Benefits

Why choose our Commercial Mortgage?

Owning your own premises can be a good way to make a huge investment in your business.

Mortgage benefits – in detail

With our Commercial Mortgage, you’ll also benefit from any increase in the property’s value and you won’t have the constraints of renting.

We also offer flexible Commercial Mortgages and repayment options if you’re looking to develop and expand existing premises.

Our Buy-to-let mortgage might suit you better

If you're a landlord or want to use property as an asset, you might find our Buy-to-let mortgage is better.

Useful info about our business accounts

No, you’re still very welcome to apply. We’ll just have to ask you a few more questions than we would if you were an existing customer.

All assessments of eligibility for lending are done on the basis of the credit history of the individual, business owners or directors. Credit Scoring is part of the process used by banks and other lenders to help assess whether they will lend to you. 

Yes, you can take Capital Repayment Holidays at the beginning (subject to agreement).

A poor credit rating or score can mean you are charged higher interest rates or even refused lending. Remember that we don't have to give you the interest rate we are advertising or that you have seen on comparison websites.

I want to apply

Let's get started. Is your business turnover...

Are you an existing NatWest Business Banking customer?

Do you have a Relationship Manager?

Call your Relationship Manager

You should have a direct number for them. You can discuss applying for a commercial mortgage with them. They can start the application for you and arrange to get the appropriate signatures. 

Business and Relationship Managers are available 9am-7pm Monday to Friday and 9am-2pm on Saturdays.

Give our Business Team a call

They can help you start an application for a Commercial Mortgage 

Lines are open 9.00am-5.00pm Monday to Friday (except public holidays). Calls may be recorded and call charges from residential, business and mobiles vary, depending on your telephone operator's tariff.

Give our Business Team a call

They can help you start an application for a Commercial Mortgage 

Lines are open 9.00am-5.00pm Monday to Friday (except public holidays). Calls may be recorded and call charges from residential, business and mobiles vary, depending on your telephone operator's tariff.

Are you an existing or new customer?

If you have a relationship manager, give them a call. If you don't have their number or are a new customer, please use the link below.

Lines are open 9.00am-5.00pm Monday to Friday (except public holidays). Calls may be recorded and call charges from residential, business and mobiles vary, depending on your telephone operator's tariff.

Additional support for your business

Turnover more than £2 million

Are you an existing business with an annual turnover of over £2m? We have several ways we can help.

Your credit score

When you apply for a loan, we’ll look at your credit score. Our Business Credit Scoring Guide can help you manage your application. 

How to appeal a business lending decision

Hopefully we can approve the loan for you. However, we have strict lending criteria, so sometimes we have to decline.

Something else we can help you with?