Commercial mortgages

Commercial mortgages built around you

Whether you need to buy a new building or release equity from your existing one, a commercial mortgage could be the answer¹.

What is a commercial mortgage?

A commercial mortgage is a type of loan for businesses that want to borrow over £25,000. The mortgage is secured by a first legal charge on your business premises.

A commercial mortgage can be used for

Buying property

Investment finance

Property development

Refurbishing owner-occupied business premises

Buying motor vehicles, machinery and other equipment

Key features and benefits

A commercial mortgage that gives you greater flexibility.

Borrow over a longer time

Choose any repayment from 1 to 25 years.

Capital repayment holiday

Option to take an interest-only period², subject to status and application.

Flexible terms available

Choose a variable or fixed-rate mortgage. You can switch from a variable to a fixed rate.

Fixed interest rates

Fixed-rate mortgage available for 10 years.

All mortgages are subject to application and status.

How to apply for a commercial mortgage

To find out if you’re eligible for a commercial mortgage, you’ll need to provide

Three full years’ audited or certified accounts plus current management figures (if produced)

Two months’ bank statements

Assets and liabilities statement

Terms and fees

Apply for a business mortgage for amounts over £25,000

Fixed-rate terms from 1 to 10 years

Prepayment fees may apply if you repay all or part of your loan before the expiry of the agreed term

Lending fees and associated borrowing costs apply and can be added to the loan

For fixed-rate loans, if you decide to pay or cancel the fixed interest rate you may have to pay a breakage cost in addition to other fees such as prepayment fees

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.

Green commercial mortgage

Green commercial mortgage Commercial
What you could purchase or re-finance purchase
Ready to apply? apply

Green commercial mortgage

If you want to invest in green assets or an energy efficient building (with an Energy Performance Certificate (EPC) rating of B or above), a green commercial mortgage³could help.

Investing in green assets could help you prepare your business for a lower-carbon future. Depending on which asset you choose, it could also help support energy efficiency, reduce emissions, make cost savings or generate additional income.

Borrow from £25,001 and get a discounted interest rate on eligible green assets⁴.

Subject to eligibility, other product features apply as standard.

Read the factsheet
What you could purchase or re-finance
A green commercial mortgage can be used for funding properties with an EPC rating of B or above, or equity release for the purchase of eligible green assets.

You can only take out this loan for your business if the money is used towards eligible green assets like:

Energy efficient buildings

Solar panels

Battery storage⁵

Electric vehicles

Heat pumps

Building automation and insulation

Agricultural technologies.

Find additional information and the full list of eligible green assets on our Eligible Green Asset Guide. [PDF, 6.8MB]

Subject to eligibility, other product features apply as standard.
Ready to apply?

Contact us to discuss your needs, and we’ll progress your application if you’re eligible⁶.

You may need to provide evidence of the eligible green assets you’re planning to buy or re-finance and any costs that will be associated with buying the assets.

Subject to eligibility, other product features apply as standard.

Get in touch

How we could support your sustainability journey

Other funding options

Compare our business borrowing with borrowing offered by other lenders¹⁰. You can find out more about the government’s Bank Referral Scheme [PDF, 1.4MB], including eligibility information.

Contact us

I have a Barclays business account

If you already bank with us, you can now start an application digitally at any time and place that’s convenient for you. Log in to our app or Online Banking and go to ‘Products and Services’. Answer a few questions and we’ll generate a list for you to consider. If you don’t have the app or Online Banking or would prefer to speak to us, call us¹¹ on 0800 027 1321 for help and support.

Why not have us call you back?

If you want to apply or find out more about this finance option, you can request a callback from one of our Business Relationship Managers.

Request a callback

Important information

Business mortgages are subject to application and status. Security may be required. We offer a fair appeal process should you feel we've not taken all your circumstances into consideration.^{Return to reference}
Capital repayment holidays available. During this time interest will still need to be paid.^{Return to reference}
Subject to all conditions of a standard Commercial Mortgages. Not available for all industries and subject to normal lending assessment, status and application. Terms and conditions apply.^{Return to reference}
Subject to status and eligibility. Terms and conditions apply.^{Return to reference}
Battery storage is only eligible for the fixed rate if acquired with solar photovoltaic (PV) panels as part of the same hire purchase agreement.^{Return to reference}
Subject to application and status. We offer a fair appeal process should you feel we've not taken all your circumstances into consideration.^{Return to reference}
Barclays Bank UK PLC acts as a credit broker, not a lender. Propel acts as a lender for business customers only. Finance is subject to application, financial circumstances and borrowing history. Terms and conditions apply. Propel Finance Plc is registered in Wales, Company no 04015132. Propel Finance No. 1 Limited is registered in Wales, Company no 10003271. Registered offices are at Unit 5, Langstone Business Village, Langstone Park, Newport, NP18 2LH. For full terms & conditions please click here.^{Return to reference}
Not available for all industries and subject to application, financial circumstances and borrowing history. Terms and conditions apply.^{Return to reference}
Business overdrafts are subject to application, financial circumstances and borrowing history. Terms and conditions apply.^{Return to reference}
We show you other options because we want to make sure you make the best decision for your business.^{Return to reference}
Lines are open Monday to Friday, from 8am to 7pm. To maintain a quality service, we may monitor or record phone calls. Call charges.^{Return to reference}

Commercial mortgages

What is a commercial mortgage?

Key features and benefits

Capital repayment holiday

Fixed interest rates

How to apply for a commercial mortgage

Green commercial mortgage

How we could support your sustainability journey

Green Loans for Business

Planning your sustainability journey

Speak to a net zero specialist

Green asset finance

You may also be interested in

Business mortgages

Buy-to-let for limited companies

Loans for large purchases or investments

All business borrowing

Other funding options

Funding Options

Alternative Business Funding

Funding Xchange

Swoop

Contact us

I have a Barclays business account

Why not have us call you back?

Important information