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Commercial Property Loans Lending Terms

First and second charge loans for 3 to 24 months to individuals, partnerships, UK limited companies, limited liability partnerships and offshore borrowing entities in approved jurisdictions.

We lend against the security of office buildings, retail units, shopping centres, industrial premises and residential investments for purchase, refinance or unlocking working capital.

Loans are not available for cinemas, public houses (trading), night clubs, farms, stables, kennels, equestrian centres and other agricultural holdings, and any non-conforming, remote or unusual properties.

The terms below are indicative and we will always welcome a phone call to tell you more.

Commercial Property - Lending Terms and Criteria
Loan term
First Charge

3 - 24 Months

Second Charge

3 - 24 Months

Minimum loan
First Charge

£150,000

Second Charge

£150,000

Maximum loan
First Charge

£10,000,000

Second Charge

£5,000,000

LTV up to
First Charge

70%

Second Charge

65%

Interest from
First Charge

0.65% p.m

Second Charge

0.80% p.m

Arrangement fee from
First Charge

1%

Second Charge

1%

Available for
First Charge and Second Charge

Purchase, refinance, working capital & equity release

Secured on
First Charge and Second Charge

Investments and owner-occupied commercial property
Retail units
Shopping centres
Office buildings
Industrial premises
Residential investments

Available to
First Charge and Second Charge

Individuals & partnerships
UK Limited companies and Limited Liability Partnerships (LLPs)
Off-shore borrowing entities in approved jurisdictions

Not available for
First Charge and Second Charge

Cinemas, public houses (trading), night clubs etc.
Farms, stables, kennels, equestrian centres and other agricultural holdings
Non-conforming, remote or unusual properties
Petrol Stations (trading)

Standard security
First Charge

First mortgage over the property

Second Charge

Second mortgage over the property

For corporate borrowers
First Charge and Second Charge

Personal guarantee(s), debenture and floating charge

Download the forms
Our application forms can be completed online or printed out. Simply download the application form. Save it onto your desktop. Open and complete from your desktop. We want to process your application without delay, so please provide all the information required. If you have any questions or trouble completing the forms, please call us on 020 8349 5190.

Commercial
Loan
Application
Form

Third Party
Authorisation
Form

Schedule of
Tenancies

Lending
Terms and
Criteria

Commercial
Property Loans
Finance for the property industry and business community
Residential
Property Loans
Short-term loans for homeowners and residential investors
Development
Finance
Individually structured development finance for residential and commercial projects