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What is a Commercial Mortgage?
A Commercial Mortgage is a loan that’s secured against a commercial property with the flexibility of repayments.
- Repayment terms up to 25 years
- The rate you pay depends on your individual circumstances
- The interest rate under our variable rate loan varies in accordance with the Royal Bank of Scotland base rate
- Capital & Interest or Straight Line repayment profiles available
- Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday
- Arrangement and security fees may apply
Commercial Mortgage Fixed Interest Fact Sheet (PDF 0.7MB)
Commercial Mortgage Variable Interest Fact Sheet (PDF 0.7MB)
Flexible borrowing
Borrow from £25,001 to £10m on a fixed interest rate, with no upper limit on a variable interest rate. Quickly check possible mortgage and repayment amounts with our calculator.
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No early repayment fees
With our Commercial Mortgage you won't pay set-up fees and early repayment or early closure fees.*
Eligibility criteria applies.
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Tailored support
Our Relationship Managers will support you throughout your application process. They will ensure we understand your goals, needs and objectives to help us create a deal that works for you.
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Variable interest rate borrowers: Changes in the Royal Bank of Scotland base rate will affect the amount you need to pay to fully repay your loan. If you repay your loan from an account with the Royal Bank of Scotland or via Direct Debit, we will automatically adjust your repayments to reflect changes in the Royal Bank of Scotland base rate going forward (or, wherever possible, let you know if we are not able to do so for whatever reason). If you repay your loan via standing order from an externally banked account, we will be in touch to let you know the next steps required to adjust your repayments accordingly.
Enquire online in just 2 minutes
Simply tell us about you, your business, how much you'd like to borrow, and we'll be in touch to talk through possible solutions tailored specifically to you.
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Speak to our team
If you have a Relationship Manager speak to them to discuss your needs, or phone us to speak with our dedicated team.
Lines are open 9.00am – 5.30pm Monday to Friday (except public holidays).
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Useful information about our Commercial Mortgage
Thinking about Business premises?
There are several factors to consider before you decide on your business premises. We could help with the decisions and suggest ways you could finance it.
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Residential Property Development
Our Residential Property Development Loan is designed for those who would like to build a property for either residential or commercial purposes.
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Residential Property Investment
Our Residential Property Investment Loan is designed for those who are wishing to invest in a property that will be let to a third party.
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