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Commercial Investment

Make an investment in property and secure the future of your business

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Commercial Investor

Owner Occupier Mortgage

Purchasing a property that will be the trading hub of your business is a great way to invest in property and your business. Owning your commercial property will be a valuable asset, and the key to supporting the growth of your business as you move forward. Our flexible mortgages are a straightforward and simple solution, designed to meet the differing requirements of individual businesses.

Lending criteria

Loans from £150k to £10m
All borrowers must have been trading for a minimum of 12 months
Maximum 70% LTV based on independent professional valuation
Terms from minimum 12 months to maximum 25 years
Interest only available up to 10 years
Personal guarantees required from main directors/shareholders
Secured by way of a first legal charge on a UK located property (excluding Northern Ireland)
Borrowers must be a UK Registered Company, Limited Liability Partnership, Trust, Charity or in personal names

Key features

Interest only option available
Long term committed terms, up to 25 years
Monthly or quarterly repayment options
Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)
Standalone transaction, no need to move the trading current account

Key Features

Interest only option available
Long term committed terms, up to 25 years
Monthly or quarterly repayment options
Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)
Standalone transaction, no need to move the trading current account

Why choose us?

At Cambridge & Counties Bank we understand that it’s beneficial to fund all capital expenditure by tailoring it to your business needs, by considering the life of the asset and in a way which will help to maximise your available funding opportunities. Because of this, our experienced front line and manual underwriting teams work closely to make sure we structure the ideal loan for your requirements. Everything we do is underpinned by our personal service that is truly first class.

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Cambridge & Counties Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm registration number 579415. Our authorisation can be checked at the Financial Services Register at www.fca.org.uk.

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