Purchasing a commercial property that will be the trading hub of a business is a great way to invest in property and business at the same time. It can be a valuable asset as well as the key to supporting business growth. Our finance offers a simple solution, designed to meet the differing requirements of individual businesses.

Key features

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Fixed & variable rate options available (depending on the term)

standalone transactions

Standalone transaction, no need to move the trading current account


Businesses with only 12 months trading considered

opco propco

Opco and propco structures are acceptable

equity release

Equity release for purchase and refinance


Interest-only options available

No valuation fee

No valuation fee payable until loan is approved


Lending available in England, Scotland & Wales

Interest rate options

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Variable rate:
Terms from 12 months to 25 years

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Fixed rate:
Terms of 3 or 5 years

Lending criteria

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Up to 70% LTV of vacant possession value

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Minimum loan £250k in England and Wales

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Minimum loan £500k in Scotland

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Terms from 12 months to 25 years

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Corporate borrowers must be registered in the UK or Crown dependencies

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All borrowers must have been trading for a minimum of 12 months

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Up to £15m borrowings per customer with no restriction on property numbers

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Personal guarantees requested from business owners/directors but are not always mandatory

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Secured by way of a first legal charge on a property located in England, Scotland or Wales

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For borrowing in personal name(s), individual must be a UK resident

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    0344 225 3939

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    0116 254 4637

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    Cambridge & Counties Bank
    Charnwood Court
    5B New Walk
    Leicester LE1 6TE

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