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Customer update: we will be carrying out planned maintenance on our e-banking system from 5pm, Friday 16th April until 5pm, Sunday 18th April. During this time some online services may be unavailable.


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General questions
What are your opening hours?

We are open Monday-Friday 9am-5pm, except for bank holidays. 

New lending applications and enquiries
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.  

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.

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.

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 fees do you apply?

Our standard new loan fees are 2% of the debt. Fees can be incorporated into the loan. If you would like to discuss further please get in touch.

Managing an existing mortgage
Can I move my loan to another property in my portfolio?

We can consider this application. The replacement property must be a suitable security for your loan moving forward so we may treat this as a new application and may be subject to relevant assessment and fees. If this is something you would like to investigate, please don’t hesitate to get in touch your local Business Development Manager.

Can I repay a loan early?

Yes, in line with the terms and conditions of your specific loan. Please contact us if you would like to discuss further.