Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.
Fixed interest rate
A fixed interest rate commercial mortgage gives you the security of predictable repayments. As the interest rate is fixed, it means the cost of your repayments won’t change throughout the term. Over the life of the loan, a fixed rate might end up costing you more than a variable rate if interest rates go down.
Variable interest rate
Variable interest rate commercial mortgages use a rate of interest that varies in accordance with the NatWest Bank base rate.
Variable interest rate borrowers: Changes in the NatWest Bank base rate will affect the amount you need to pay to fully repay your loan. If you repay your loan from an account with NatWest or via Direct Debit, we will automatically adjust your repayments to reflect changes in the NatWest Bank base rate going forward (or, wherever possible, let you know if we are not able to do so for whatever reason). If you repay your loan via standing order from an externally banked account, we will be in touch to let you know the next steps required to adjust your repayments accordingly.
Can a commercial mortgage be used for a small business?
If you run a small or medium enterprise and you are looking for an SME mortgage to purchase commercial property, a commercial mortgage can be tailored to suit your needs. With a minimum borrowing amount of £25,001 and term lengths up to 25 years, you are welcome to apply as a new or small business.
Thinking about Business premises?
There are several factors to consider before you decide on your business premises. We could help with the decisions and suggest ways you could finance it.
Understand commercial re-mortgaging
Commercial re-mortgaging is a refinancing method for mortgages secured against commercial real estate. Find out more about commercial re-mortgaging with us.
Commercial buy-to-let with NatWest
Commercial buy-to-let mortgages are a type of secured loan, where commercial real estate is the security. Find out more about buy to let mortgages for limited companies.