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Lloyds TSB
Business banking > Loans & finance > Commercial mortgage 

Commercial mortgage

Let us help you

Investing in property
Taking out a commercial mortgage is one way of maximising your business finance. Property can be a significant cost for many businesses so it is important to manage that investment wisely.

Choice of base rate linked or fixed rate

Borrow up to 70% of the value of the property

Flexible capital repayment holidays

How to apply for a Commercial mortgageApply for a commercial mortgage online or by telephone

Features & Benefits

A commercial mortgage from Lloyds TSB is an ideal way of purchasing or remortgaging commercial property.

  • Mortgages start from £25,000.
  • Choose a loan term of up to 25 years.
  • We can lend up to 70% of the value of the property and in many cases we can lend more.
  • Base rate linked and fixed rates are available.
  • For a base rate linked mortgage you can apply for flexible capital repayment holidays of up to two year (to be taken in blocks of three months).
  • If you choose a fixed rate, your repayments will remain the same even if base rate rises or falls.
  • If you repay part or all of your fixed rate mortgage before the end of the agreed term there may be an early repayment charge. There is no early repayment charge for base rate linked loans.
  • Optional loan protection that could cover your repayments in the event of sickness, accident or death is available.
  • If you wish to borrow on other terms we may still be able to help you.

Tell us about your plans and needs, and we will then agree the interest rate with you. An arrangement fee, security and valuation charges will apply. We will require a first legal charge over the property as security. This means if you are remortgaging an existing property, any loan secured on it must normally be repaid before completion.

Any property given as security which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it. All loans are subject to status and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay.

More information

If you would like more information before you apply either call 0800 056 0048 (open 8am to 8pm Monday to Friday and 9am to 1pm Saturday) or complete our request for further information form.

How do I apply?

You can apply online or by telephone.

How to apply for a Commercial mortgage

0800 numbers
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