Commercial mortgages

Why choose a Together commercial mortgage?

We're one of the finance industry's best-kept secrets, and have been helping people and businesses to achieve their ambitions for over four decades.

We're entrepreneurs. So we understand the pressures you face, and that business isn't predictable. It's why we apply the same flexible approach to every application, and get to know you and your circumstances to help us make our lending decisions.

By using our common sense in this way, we're often able to lend in circumstances that some other lenders struggle with – whether that's because of past credit issues, a short trading history, or the property itself.

How do you decide my interest rate?

• The rate you're offered may be influenced by two factors:
• How much you need to borrow as a percentage of your property's value.
• Your credit history (but not your credit score).

We offer you the option to take a discounted rate in the first year of your mortgage, after which your rate will revert to normal. If you opt for the discounted rate, you'll have higher Early Repayment Charges in the first three years of your mortgage.

How long does it take to arrange a commercial mortgage?

It typically takes several weeks to arrange a commercial mortgage. If you can't wait that long, we may discuss alternative options with you, such as a commercial bridging loan. In some circumstances, we can arrange these in a matter of days and they'll last up to 12 months – giving you the time you need to arrange longer-term finance.