Commercial mortgages for business owners

We help experienced business owners to purchase their existing, additional or new premises with a commercial mortgage. We can also help with refinancing an existing commercial mortgage and support releasing capital to support their business ambitions.

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Our Products

Features and Benefits

Fixed and variable interest rates

You have the choice of fixed and variable interest rates over 25 year terms (subject to maximum borrowing age) as well as interest only options.

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

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.

We fully support the growth of businesses across Britain and understand the importance of business premises, as well as the benefits that taking ownership of them offers to their occupants.

Key Features

Secured loan of

£250k - £6.0m

Loan to value

70%

Fixed terms

2-25 years

Adjusted EBITDA

135% of monthly repayments

Interest only options available
2, 3 and 5 year Fixed Rates available
Mixed-use properties considered

Minimum Criteria

Secured on property in England, Scotland or Wales
We will assess a minimum of the most recent three years’ trading performance and accounts

Get in touch

Helping British SMEs with commercial mortgages

We specialise in helping experienced SMEs and business owners to access the finance they need to purchase commercial property. This may be to refinance an existing premises or to acquire a new or additional property.

We offer individually assessed commercial mortgages allowing us to consider each case on its own merits.

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

Shortlisted Specialist Lender of the Year 2024

Shortlisted Innovation of the Year 2024

We're here to help you grow your business

Email: hello@redwoodbank.co.uk

Call: 0330 053 6067

Or meet the South & East team, Midlands team and Warrington & North team

Contact Us

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.

Find more answers

How much would you lend to an organisation?

Please click here to find a summary of our lending criteria. If you have any other questions please get in touch.

How long will it take for you to respond?

We will aim to respond to you within 48 hours if we have the correct information from you.

What do you need to make a lending decision?

We require details about the specific transaction you are considering, including details of the property and the business. In addition, we will need information on your financial status and your ability to service the mortgage before making a commitment to lend. Please contact us directly.

What checks do you do before I can open a loan account?

We will verify your business, the registered address of your organisation, as well as the identity of all key individuals detailed (partners, directors, members, authorised users, beneficial owners etc). We do this by checking various electronic databases. If we are unable to verify your organisation or the individuals involved in its management or operation, we may ask you to supply us with some identity documents by post. We will not be able to progress the case until we are satisfied. If you have any questions please get in touch.

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