Unlock the future potential of your business with a commercial mortgage.
Applying for a loan is easy. Here’s what to expect:
Make an enquiry
Contact us today using our short and simple online enquiry form.
Our team will be in touch to discuss your needs and help you complete the full application.
Swift access to funds
Enjoy access to your dedicated relationship team throughout the life of your loan.
Start your journey with Recognise Bank
What is a commercial mortgage?
Recognise your potential
We believe business shouldn’t be held back by a bank.
That’s why we’ve made it our mission to create a fully licensed digital bank which puts relationships first.
We work with businesses not against them. And we aim to be as flexible as possible with all of our offerings and services, no matter what your business needs. It’s why our customers, brokers and partners love working with us.
Explore our range of award winning savings accounts, business loans, and specialist mortgages today and let us help your business thrive.
Explore our range of lending products
Unsecured business loan
Common questions about commercial mortgages
Our commercial mortgages are unregulated and designed for business purposes only.
Commercial mortgages are suitable for companies, entrepreneurs and small businesses looking to buy or renovate premises or generate income from rental units. We currently offer commercial mortgages to the following entities:
- Sole Traders
- Limited Companies
Here’s a rundown of the different types of commercial mortgages we offer:
Owner-occupied commercial mortgage
Owner-occupied commercial mortgages are for entrepreneurs and businesses looking to purchase trading premise or refinance an existing loan on their business property.
Investment commercial mortgage
Investment commercial mortgages are for investors looking to purchase or refinance commercial property for the purpose of letting to a tenant that is not their own business. The types of property could be, retail units, warehouse space, or mixed-use developments.
A commercial mortgage is a flexible financial solution that can benefit many business types.
Whether you qualify for a commercial mortgage depends on your business’ circumstances. Our team can assess your case and tell you if you can take out a loan. For instance, we will consider:
- How much the property you want to buy is worth.
- How much you want to borrow.
- Assessing whether your business can afford the loan repayments.
- The type of property (retail, industrial, office).
- How you plan to use the property based on your business plan.
- The size of your deposit or available equity in existing premises.
- Whether the property is freehold or long leasehold (more than 50 years at the end of the loan term)
Commercial mortgage fees may include arrangement fees, valuation fees, legal costs, broker fees or early repayment charges.
The fees we charge are determined on a case-by-case basis in accordance with our terms and conditions.
Please send us an enquiry and a member of the team will be able to discuss these with you in detail.
The loan amount we can provide will be assessed once we have received your full application. Typically, the minimum loan size is £250,000 up to a maximum of £7.5 million.
Rest assured, our dedicated relationship team will be able to discuss all of your options with you in detail.