Commercial mortgage

Award-winning property finance
for your business

Our commercial mortgages help achieve your organisation's property aims - including constructing a new building, engineering a move to new premises, or funding expansion and modification programmes.


With a quick approval and application process, your business could have funds in place sooner than you think. No wonder we were voted "Best Provider of Commercial Mortgages" by Mortgage Introducer magazine between 2002 and 2005.

The commercial mortgage is secured on your business premises; you can borrow up to 70% of the purchase price or open market value, whichever is lower.

Furthermore, your business doesn't need a Royal Bank of Scotland account to use our commercial mortgage service.

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Rate benefits


  • Fixed rate - know exactly how much your commercial mortgage will cost from month to month
  • Variable rates - our variable rate is priced against The Royal Bank of Scotland base rate
  • Money market rates - if you are borrowing over £250,000, you may be able to access our LIBOR (London Inter Bank Offer Rate) interest rates.
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Flexibility benefits


  • Payment holidays - apply for a capital repayment holiday of up to three years
  • Choice of repayment terms - including interest-only loans with capital repayment at the end of term
  • Drawdown to suit your business - with a variable rate commercial mortgage, your business can receive funding in stages
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