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Intermediaries

Unregulated Commercial Term Loan.

For all commercial property needs, including:

  • Retail units
  • Factories or warehouses
  • Office spaces
  • Semi-commercial... and many more.
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Key product information

  • 8.64%

    Rates from 8.64%
  • 70%

    Borrow up to 70% of the property's value
  • £50k - £5m

    Loans from £50k - £5m

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Downloadable documents for packagers


Document name File download
Packaging Criteria Guide - Commercial Finance A download file icon.
Document name File download
Submission Checklist - Unregulated Commercial Term A download file icon.
Document name File download
Guide to applications from oversea investors A download file icon.
Guide to care sector applications A download file icon.
Guide to completing an Accountants certificate A download file icon.
Guide to getting started on My Broker Venue A download file icon.
Guide to Property Type criteria definitions A download file icon.
Independent Legal Advise (ILA) - Why and when it's needed? A download file icon.
Internal Legal Process - How to fund cases quickly A download file icon.
My Broker Venue - Application Referral Guide A download file icon.
Process map all properties over 500k – purchase refinance capital raise lease extensions A download file icon.
Process map all properties under 500k – purchase refinance capital lease extensions A download file icon.
Process map all properties under 500k – purchase refinance capital raise ltd cos A download file icon.
Process map all properties under 500k – purchases in personal name and ltd cos A download file icon.
Submitting an A* Legal Charge document A download file icon.
Top tips - get your unregulated cases funded more easily A download file icon.

Looking for more? Explore our Resource Hub.


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...plan to use rental income to expand their property portfolio.

Discover insights across Buy to Let, Office space and Retail sectors to support your clients.

With fresh research and expert commentary, access our national and regional property insights to identify landlord opportunities and obstacles in the coming year.
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Unregulated Commercial Term Loan FAQ's

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.

Exit Process

Network and club members cannot submit business for this product. However, you can submit through one of our packaging partners.

If you're not sure of your preferred packaging partner, contact our team who will be happy to guide you on 0161 468 3993.

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