Unregulated Commercial Term Loan.
- Retail units
- Factories or warehouses
- Office spaces
- Semi-commercial... and many more.
Key product information
-
100% funding
With additional security we could lend 100% of the required funds. -
Complex income
Your client's earnings might vary, but we take a common-sense approach. -
Non-standard properties
From land to commercial and semi-commercial spaces, we consider a wide range of property types. -
Location
We lend in England, Wales and Scotland.
-
8.64%
Rates from 8.64% -
70%
Borrow up to 70% of the property's value -
£50k - £5m
Loans from £50k - £5m
Useful guides and information
Downloadable documents for packagers
| Document name | File download |
| Packaging Criteria Guide - Commercial Finance |  |
| Document name | File download |
| Submission Checklist - Unregulated Commercial Term | |
| Document name | File download |
| Guide to applications from oversea investors | |
| Guide to care sector applications | |
| Guide to completing an Accountants certificate | |
| Guide to getting started on My Broker Venue | |
| Guide to Property Type criteria definitions | |
| Independent Legal Advise (ILA) - Why and when it's needed? | |
| Internal Legal Process - How to fund cases quickly | |
| My Broker Venue - Application Referral Guide | |
| Process map all properties over 500k – purchase refinance capital raise lease extensions | |
| Process map all properties under 500k – purchase refinance capital lease extensions | |
| Process map all properties under 500k – purchase refinance capital raise ltd cos | |
| Process map all properties under 500k – purchases in personal name and ltd cos | |
| Submitting an A* Legal Charge document | |
| Top tips - get your unregulated cases funded more easily | |
Looking for more? Explore our Resource Hub.
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Common questions about Unregulated Commercial Term Loans
Can my client buy a commercial property without a deposit?
With Together, your client could borrow 100% of the value of their commercial property if they've got enough equity in another building to use as additional security.
How do you decide interest rates?
The rate your client is offered may be influenced by two factors:
- How much your client needs to borrow as a percentage of their property's value.
- Your client's credit history (but not their credit score).
How long does it take to arrange a commercial mortgage?
It typically takes several weeks to arrange a commercial mortgage. If your client 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 your client the time they need to arrange longer-term finance.
What fees will my client have to pay?
We charge a Lenders Arrangement Fee.
Our Commercial mortgages and loans include an Early Repayment Charge, which your client will pay if they elect to remortgage with another lender or repay their mortgage in full before the term ends.
We also charge a Redemption Administration Fee when your client 'redeems' (i.e. full repay) their mortgage, to cover costs associated with closing their account and dispensing our legal claim to their 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 client's particular mortgage are clearly explained before they sign on the dotted line.
Other fees and charges may be applied to your clients account during the life of their mortgage, in relation to the management of their account (for instance, if your client falls behind on their monthly payments). These are all explained in our Tariff of Charges.
How much can my client borrow, and how much deposit or equity will they need?
At most, we can lend you 65% of your client's commercial property value. So they 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 your client is buying or just remortgaging), and their personal circumstances.
It's important to note that the property in question must be valued at a minimum of £50,000.
