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The cost of your premises can be a major business expense, so owning your own property can have real business benefits. A Bank of Scotland Commercial Mortgage can be a good way of purchasing commercial property. It could also help you remortgage commercial owner occupied land or premises, invest in residential property or even purchase a share in a business.
You can apply by calling 0345 300 0268
Talk to us about your plans and we‘ll help you work out how much you could borrow and agree the interest rate with you. Arrangement fees, security and valuation charges will apply.
With an interest-only mortgage, the actual amount borrowed doesn't reduce during the life of the mortgage so you will need to repay the full capital amount at the end of the mortgage term.
All loans are subject to status and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay.
We will require a first legal charge over the property as security. This means if you are remortgaging an existing property, any loan secured on it must normally be repaid before completion.
Please view our finance application checklist before you apply.
*There is always a possibility that interest rates may go down leaving a fixed rate mortgage at a higher level compared to a variable rate mortgage. However, if interest rates rise, a fixed rate mortgage will remain at the same rate.
**A break cost may be applied on fixed rate mortgage, on any early or partial/full repayment of the mortgage. This could be substantial depending on the interest rate at the time.
All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.
You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.
Existing customers0345 300 0268
New customers0345 606 0286
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Our guide to moving business premises, including the legal areas you need to focus on and where to get professional help.
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