Commercial Mortgages

Supporting experienced property landlords, property investors and SMEs needing commercial mortgages.

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Mortgages for property landlords

Our specialist lending teams provide experienced professional landlords with tailored mortgage facilities to support the acquisition and refinance of commercial, residential and mixed-use property portfolios.

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Mortgages for business owners

Our property lending experts support British SMEs with commercial mortgages to acquire new or refinance existing commercial premises.

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Mortgages for property refurbishment

Our lending teams specialise in helping property investors with tailored finance solutions to grow their portfolios.

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Helping British SMEs to grow with property finance

The financial and regulatory landscape for property landlords, investors and SMEs is increasingly complex and ever-changing. We offer individually tailored mortgage lending for businesses to purchase and refinance residential, semi-commercial and commercial properties. Our experienced lending team brings you the security and certainty that your property investment funding needs will be managed swiftly and with the care and attention your firm deserves. We offer property finance products including commercial mortgages for owner occupiers, as well as financing for residential property investment, including buy-to-let and HMOs. PROPERTY SECURED ON A LOAN MAY BE REPOSSESSED IF REPAYMENTS ARE NOT MAINTAINED.

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Buy-to-let mortgages – including large and small HMOs

Buy-to-let mortgages to purchase a new investment property, refinance an existing portfolio, to exit a bridging facility or raise additional funds to grow your property business.

Commercial mortgages

Commercial mortgages for British SMEs wanting to acquire new premises or refinance an existing property. Opportunities to release capital for investment in growing your business.

Refurbishment finance

Secured property refurbishment loans for experienced property investors and landlords wanting finance to purchase/refinance to refurbish an investment property.

Are you a broker?

We are interested in building long-term relationships with new intermediaries. If you would like to work with us, please visit our intermediary page.

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Our Products

Features and Benefits

Fixed and variable interest rates

Fixed and variable interest rates

You have the choice of fixed and variable interest rates over 30-year terms (subject to maximum borrowing age) as well as interest only options.

Green Cashback Reward

Green Cashback Reward

Properties with an EPC rating of A – C qualify for our Green cashback reward. Earn up to 0.5% cashback for the most efficiently rated properties.

Flexible fees to boost leverage

Flexible fees to boost leverage

Flexibility to lower your interest rate and your monthly payment by choosing a higher fee. This can help improve your leverage and release the capital you need to invest in your portfolio. Please consider the total cost of borrowing when considering these options.

Commercial properties

Mortgages from

£250k to £6.0m

Loan to value

Up to 70%

Fixed terms

2-25 years

Gross rental income


130% of monthly repayments

  • 2, 3 and 5 year Fixed Rates available

  • Interest only options available

  • Mixed-use properties considered

Minimum criteria

  • A minimum of two properties in England, Scotland or Wales
  • At least two years' experience as a professional landlord
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Residential properties

Mortgages from

£250k to £6.0m

Loan to value

Up to 75%

Fixed terms

2-30 years

Gross rental income

125% of monthly repayments

  • 2, 3 and 5 year Fixed Rates available

  • Interest only options available

  • Mixed-use properties considered

Minimum criteria

  • A minimum of two properties in England, Scotland or Wales
  • At least two years' experience as a professional landlord
Get in touch

Our Approach

Our flexible approach is ideal for ambitious property landlords who are looking to add a new property to their portfolio or refinance their existing portfolio by using secured term finance.

Opportunities to purchase property are rare and your choice of mortgage provider can make the difference between acquiring the property or not. At Redwood Bank, we understand the importance of moving quickly to seize the opportunity for your business.

While many of our competitors lack the appetite, speed or expertise to help landlords take advantage of an opportunity to purchase or refinance property to strengthen or diversify their portfolio, at Redwood Bank we are proud to be uniquely placed to offer mortgages quickly to professional landlords who are looking to take advantage of such an opportunity.

From flats and houses to retail, service centres, offices, manufacturing sites, warehouses and distribution centres, as well as mixed-use properties - Redwood Bank will consider your application if you meet our minimum criteria (see above).

We assess each mortgage application individually with common sense, speed and an appreciation of the ambitions of your business in mind, giving you the best chance of taking the important step of purchasing or remortgaging property.

Property secured on a loan may be repossessed if repayments are not maintained.

Award

Shortlisted Specialist Lender of the Year 2024

Award

Shortlisted Innovation of the Year 2024

Next steps

We're here to help you grow your business.

hello@redwoodbank.co.uk 0330 053 6067 Meet our Business Development Team

FAQs

Our frequently asked questions

Here are a selection of most frequently asked questions. If you can't find what you need here please refer to our Support page using the link below.

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