Commercial Mortgages

Unlock the future potential of your business with a commercial mortgage.

  • Borrow from £250,000 to £7.5 million
  • Flexible repayment terms of up to 25 years
  • Interest only considered1
  • Dedicated relationship team
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Product highlights

Owner occupied

  • Borrow £250,000 - £5 million
  • Up to 70% LTV available
  • Flexible loan terms up to 10 years
  • Flexible repayment terms up to 25 years
  • Tailored-to-you pricing
  • Fixed and Variable Rate options available
  • Commercial Standard Variable Rate (applies following the end of any fixed rate period), currently 9.75%
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Investment

  • Borrow £250,000 - £7.5 million
  • Up to 70% LTV available
  • Flexible terms up to 5 years
  • Flexible repayment terms up to 25 years
  • Tailored-to-you pricing
  • Fixed and Variable Rate options available
  • Commercial Standard Variable Rate (applies following the end of any fixed rate period), currently 9.75%
Get started

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.

Guided application

Our team will be in touch to discuss your needs and help you complete the full application.

Swift access to funds

Once your loan has been agreed, we aim to provide you with your funding as quickly as possible.

Ongoing support

Enjoy access to your dedicated relationship team throughout the life of your loan.

Start your journey with Recognise Bank

Check if you’re eligible for a commercial mortgage by making an enquiry today.

Before we start, please confirm the following:
  • The property is located in England, Wales or Scotland.
  • You currently live in the UK, or your company is registered in the UK, Isle of Man or Channel Islands. The Centre of Main Interest must be in the UK.
  • Your company has been trading for a minimum of 2 years.
  • Maximum five satisfied CCJ’s within the last 3 years and no missed secured loan repayments within the last 12 months.
  • You have not been declared bankrupt or entered an IVA / CVA in the last 3 years.
Please provide details of your request:
You’ll need to have the following when completing your full application:
  • Minimum 2 years of full financial accounts.
  • Management information, reports, or forecasts giving insight into your business operations and financial health.
  • 6 months' business and personal bank statements.
  • Completion of our Asset and Liabilities/Income & Expenditure from (provided during the application process).
  • Proof of identification and address.
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What is a commercial mortgage?

Commercial mortgages are designed for a range of borrower types including Sole Traders, Partnerships, Limited Companies, SIPPs and SSASs looking to buy or renovate premises, or generate income from a commercial property portfolio.
Owner-occupied commercial mortgages
  • For businesses looking to purchase their trading premises or refinance an existing loan on their property.
Commercial investment mortgages
  • For investors looking to purchase or refinance commercial property, or let to a tenant(s).
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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

Bridging loans

A short-term fix for fast financing – secure up to £10 million for your next project with tailored-to-you loan terms of up to 24 months.
Learn more

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
  • LLPs
  • Partnerships
  • PLCs
  • Trusts
  • SIPP
  • SSAS

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.

Can't find what you're looking for?

Check out our lending FAQs or contact us for additional support.
1Interest only considered subject to Loan to Value assessment
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1Currently, only LLPs and Limited Companies can deposit over £85,000. 

2FSCS Protection up to £85,000 on your eligible deposits.

Recognise Bank reserves the right to withdraw any of their products from sale at any time.

Recognise Bank Limited is a company registered in England and Wales, registration number 10603119 with its registered office at Augustine House, 6a Austin Friars, London, United Kingdom, EC2N 2HA. Recognise Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 849404 

Loan facilities offered by Recognise Bank Limited are non-regulated contracts under the Financial Services and Markets (Regulated Activities) Order 2001 and the Financial Services and Markets Mortgage Credit Directive Order 2015. Your property is at risk if you fail to make payments on a mortgage contract.

© Recognise Bank 2024

Steve Pateman

Steve has had an extensive executive career in banking, leading corporate and commercial banking businesses at RBS/NatWest, managing Santander’s UK banking businesses and as CEO of Shawbrook Bank, Hodge Banking Group and most recently successfully leading the banking licence application for StreamBank.

He is a non-executive Director at Bank of Ireland both in the UK and Dublin and Thin Cats, a specialist SME lending business and is retained as an advisor to Black Lion Ventures. He was previously President of the Chartered Banker Institute.

Steve took up the role of Chair (subject to regulatory approval) at Recognise Bank in November 2024, having served as an Investor Non-Executive Director since January 2024.