Lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.
Whether you are looking for a commercial mortgage for your own business or to use as an investment opportunity, we are here to help.
Our commercial mortgages are designed to help businesses realise their property ambitions. We arrange funding for a variety of business needs ranging from existing commercial or semi-commercial properties, to land, with or without planning permissions and premises which have agricultural restrictions.
We accept applications from foreign nationals, based in the UK and abroad, and British expatriates, and we can lend to limited companies on day one of incorporation.
Hello, we’re Together. For 50 years we’ve helped people, businesses and property professionals unlock their ambitions with our common sense approach to lending.
It means that we can help to open doors, even when others can't. So when you need a relationship with the right finance partner, our door is always open.
If you're ready to talk, get in touch with us on 0161 956 3224or
Do you want to understand the potential cost of your mortgage or loan?
We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.
Submit enquiry
Commercial mortgages operate much like a personal mortgage, but are mainly used by business owners who are looking to buy commercial property or land for commercial use.
With Together, you could borrow 100% of the value of your commercial property if you’ve got enough equity in another building to use as additional security.
You can get a commercial mortgage on a property where 60% of the space has a commercial use. So if you’re buying a shop with a flat above it, or a B&B you plan to run and live in, you can apply for a semi-commercial mortgage.
Yes – we can lend on land for a range of commercial purposes, with or without planning permission.
Find out moreThe 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).
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.
We charge a Lenders Arrangement Fee, and – if you come to us direct – a Processing Fee.
Our Commercial mortgages and loans include an Early Repayment Charge, which you'll pay if you elect to remortgage with another lender or repay your mortgage in full before the term ends.
We also charge a Redemption Administration Fee when you 'redeem' (i.e. full repay) your mortgage, to cover costs associated with closing your account and dispensing our legal claim to your property.
Our fees are typically charges as a percentage of the loan, so can vary. We'll ensure that the fees that apply to your particular mortgage are clearly explained before you sign on the dotted line.
Other fees and charges may be applied to your account during the life of your mortgage, in relation to the management of your account (for instance, if you fall behind on your monthly payments). These are all explained in our Tariff of Charges.
At most, we can lend you 65% of your commercial property's value. So you will need at least 35% as a deposit, or as equity. The maximum loan-to-value ratio we can offer may be reduced based on the nature of the property, the transaction (i.e. whether you're buying or just remortgaging), and your personal circumstances.
It's important to note that the property in question must be valued at a minimum of £50,000.
As an existing customer looking to refix, you can be sure that the rate that we offer you will never be higher than the rate we’ll offer new customers on the same product at the same time.
Get in touch with our team by calling us on 0161 933 7165 so we can discuss the best options for you.
We're open Mon-Fri 9am-5:30pm.
Find out moreWe'll happily look at your current circumstances and see what options that are available for you. Please give us a call on 0161 933 7165.
We're open Mon-Fri 9am-5:30pm.
Find out more
All mortgages are subject to our terms and conditions.
Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.