Commercial mortgages

A straightforward approach to purchasing business property

Security may be required.

Your home or property may be repossessed if you do not
keep up repayments on your mortgage

Whether you are looking to expand your premises, build new premises or fund a property purchase, a commercial mortgage from The Royal Bank of Scotland can back you all the way

Commercial mortgage benefits

  • Fast decision-making - our streamlined application and approval process means you can act quickly and decisively
  • Interest rate options - choose from fixed and variable interest rates
  • Up to 25 year repayment terms - giving you the flexibility you need
  • £26,000 minimum loan amount - and no maximum loan amount
  • Borrow 70% of the purchase price - or of the open market value, whichever is lower
  • Pay interest on what you need - our staged drawdown option allows you to withdraw funds as and when you need them, reducing the amount of interest you pay
  • Flexible repayment options - help your cash flow with a capital repayment holiday or capital and interest repayment holiday option. Or make lump sum reductions to save on the interest you pay. Lump sum repayments are not permitted where the loan is on a fixed interest rate basis. Interest will continue to accrue during these periods, and will increase your repayments after this period. If early repayment of a fixed interest rate loan is made, you may incur a substantial charge.

Protect your property

Our insurance service could help you protect your business buildings and contents.

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