Commercial Mortgage | NatWest

Commercial mortgage

A mortgage for your business could help when it's time to buy premises or simply evolve

Security may be required. Product fees may apply. Over 18s only.
Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Features of our commercial mortgage
A choice of loan

Borrow from £25,001 upwards.

A choice of interest rate options

Our fixed and variable rates allow you to tailor your repayments to suit your own circumstances.

Fee-free borrowing

No arrangement fees for new borrowing, regardless of the amount borrowed.

Flexible repayments

The option to take a capital repayment holiday at the outset should you need to re-direct your finances. Interest will still be charged during the capital repayment holiday and your monthly payment may increase afterwards.

Flexible repayment term

Repay the loan over a period of up to 25 years.

Expert assistance

Whether you're moving for the first time, moving to larger premises or simply switching mortgages for a better deal, our experts are on hand to help.

Renting but looking to buy?

By owning your own premises you'll be making a significant investment in your business and you could benefit from any potential increase in its value, while releasing yourself from the constraints of renting.

We also offer flexible commercial mortgage and repayment options for businesses looking to purchase premises or develop and expand existing premises.

Looking to remortgage or expand?

Whether you are looking for a new mortgage deal, or want to raise finance to grow your business, a remortgage from NatWest could be your answer.

You can choose to have a fixed or variable rate and there are no arrangement fees for new borrowing. And because your repayments are flexible, you can apply to take a break from making capital repayments at the outset should you need to. Interest will still be charged.

Our commercial mortgages can be tailored to meet your own financial needs with a range of loan to value options.

Whatever your business objectives, our expert team could help you with your remortgage needs.

Simple steps for your Business lending application

Whether you’ve been with us for years or you’re a new customer, you can help us to give you a swift answer on a lending application.

Just have the necessary information ready when you apply. This includes:

  • What do you need to borrow the money for?
  • It sounds obvious but we need to know how much you need to borrow
  • How long do you want to repay the loan over?
  • Who are the owners/directors and what sort of business is it?

In addition, there are some specific documents we need to see dependent on your company size and past history with the bank.


Icon expand Existing businesses banking with NatWest

In addition to the above, we need to establish the current and previous financial performance of your business. We would look to see at least one of the following:

Year-end accounts

Ideally 2 years worth

Tax returns

Again, ideally 2 years worth

Business bank account statements

6 months worth

We also require information about what your business owns and what it owes to make sure your business is not over exposed to debt and you’ll be able to manage the repayments.

Proof of assets and debts

Details of any property, equipment, existing loans, mortgages, hire purchase or other monies owed.

If you need further explanation, try our section on understanding business finance basics.

 View understanding business finance basics


As the amount of lending exceeds £25,000 we will ask for all of the above information as well as the following:

Owner investment in business

This gives us a good indicator of your commitment to the business.

Other business interests

We need to understand your level of involvement in the business and your track record.

Assets and security

For certain lending options, we may require some form of security such as a property, director’s guarantee or other assets to secure the funding. If security isn't available, there are other options such as government-backed and non-bank funds and schemes.

More about funds and schemesOther sources of finance


DownloadChecklist pdf (235kb)


Icon expand New businesses to NatWest

With no evidence of past financial performance, we would ask to see details of what your new venture will look like. We would also ask to see the following information from existing businesses that are expanding or taking a major change of direction.

Business plan

A detailed document describing the nature and structure of your proposed business.

Cash flow forecast/profit and loss

Financial projections to give us an idea of likely incomings and outgoings.

For help download one of our useful tools:

Download Cash flow forecast template (.xlsx 23kb)

Cash flow forecast guidance notes (pdf 703kb)

Checklist (pdf 235kb)

Download Profit and loss template (.xlsx 29kb)

Profit and loss guidance notes (pdf 1.1mb)



How to apply for a commercial mortgage

New customers

Existing customers


Startup or business with a turnover under £2m?

0345 711 4477

0800 404 6161

Lines open 24/7:
(Excl public holidays)
Calls may be recorded

Contact your Business Manager

Business with turnover over £2m?

0800 529 8137

18001 0800 529 8137

Lines open Mon - Fri
9am - 5.50pm
(Excl public holidays)
Calls may be recorded

Contact your Relationship Manager

Get in touch

Whether you're a new or existing customer speak to one of our dedicated business specialists by calling BusinessLine on:

0345 711 4477
0800 404 6161

Open 24 hours a day, 7 days a week, 365 days a year.

Alternatively you can speak to your Business or Relationship manager, who are available 9am-7pm Mon-Fri and Saturdays 9am-2pm.

Calls may be recorded.

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