Commercial Mortgages

Commercial property finance tailored to you

Secure up to £10 million to help your business reach its goals. Speak to our expert business relationship management team today.

Commercial Finance Lender       BBABestBizFinProv2024       BizMoneyfactsCMProvider2324

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Dedicated relationship manager

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Borrow £150k to £10 million

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Up to 70% LTV

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Buy your premises or invest in property

Commercial mortgages

Made to measure

Whether you want to buy your business premises, invest in property, or refinance an existing business mortgage, our relationship managers will work closely with you to understand your needs.

We know that no two businesses are the same. That’s why our underwriting team look individually at every commercial mortgage application to make a decision based on your business’s own merits.

Commercial Owner-occupied Mortgage

Minimum loan

£150,000

Maximum loan

£10 million

Maximum loan-to-value

80%

Term

5-25 years

Arrangement fee

2.0%

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COMMERCIAL INVESTMENT MORTGAGE

Minimum loan

£150,000

Maximum loan

£10 million

Maximum loan-to-value

75%

Term

5-25 years

Arrangement fee

2.0%

Available for: UK-registered limited companies, LLPs, partnerships, sole traders and NewCos (not yet incorporated), typically with two years of full financial accounts based in England, Scotland & Wales.

May include businesses trading from freehold/long leasehold property in England, Scotland and Wales e.g. offices (including professional practices), industrial units, mixed-use, warehouses, factories and retail. Plus hotels, guest houses, restaurants, public houses, convenience stores and children’s day nurseries.

Security will be required.

To find out more, and to discuss a specific borrowing requirement, including one not exactly fitting the above, please contact us using the form below.

You can find our full product guide or read our tariff of fees here:

Product guide Tariff of fees Mandatory information checklist Fixed rate breakage costs facts sheet

How can a commercial mortgage help my business?

Commercial mortgages are used in a variety of ways by small and medium-sized businesses to achieve growth and plan for the future.

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Generate income

With a new property you can target capital growth or use it as a source of rental income.

Diversify your business

Spread your risk by broadening your revenue streams.

Refinance

Release capital to invest in growth elsewhere by refinancing your commercial property.

ABOUT ALLICA BANK

Allica is a bank built especially for established businesses with between 5 and 250 employees. 

These businesses make up a third of UK employment and turnover, yet the service they get from the big banks is increasingly impersonal, inconvenient, and poor value. We don’t think that’s right. 

Allica Bank is on a mission to give established businesses the no-nonsense banking they deserve. That means a current account with no monthly fees, a relationship manager whose name and number they actually know, and technology that makes life easier, not harder. 

It's business banking how it used to be, just better. 

Learn more

Enquire now

Speak to our team about how we could help your business with a commercial mortgage.

Call us

0330 094 3333

Monday to Friday (excl. Wednesday) from 9.00am to 5.00pm, and Wednesday 9.30am to 5.00pm.

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Allica Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN: 821851). Registered office: 4th Floor, 164 Bishopsgate, London EC2M 4LX. Registered in England and Wales with company number 07706156.

Allica Bank savings accounts and business current account products are regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Allica Bank lending products are not regulated products.

Asset finance and growth finance services are provided by Allica Financial Services Limited trading as Allica Bank Asset Finance. Registered office: 4th Floor, 164 Bishopsgate, London EC2M 4LX. Incorporated under the laws of England and Wales with company number 12784979. Allica Financial Services Limited is not authorised or regulated by the Prudential Regulation Authority or the Financial Conduct Authority. The asset finance and growth finance products offered by Allica Bank Asset Finance are not regulated products.

Bridging Finance services are provided by Tuscan Capital Limited. Tuscan Capital Limited is not authorised or regulated by the PRA or FCA. Bridging Finance products offered by Tuscan Capital Limited are not regulated products.