Commercial Mortgages

Every business has its own story. A Commercial Mortgage can help you put yours on the map, with a place to call your own and the freedom to shape it around your ambitions.

How does a Conister Bank Commercial Mortgage work?

At Conister Bank, we offer Commercial Repayment Mortgages. A repayment mortgage is designed to gradually repay both the interest and the capital (the original loan amount) over the term of the mortgage. By the end of the term, you'll have fully repaid the loan and will own your property outright - provided all payments are made as scheduled.

Interest Rates

Find out more about our 75% - 85% loan-to-value (LTV) Commercial Mortgage products and interest rates by clicking here

Key Features of a Conister Bank Commercial Mortgage:

No setup fees	Up to 85% lending	Borrow £75,000 - £750,000
A straightforward route to ownership.	Helping you secure a premise of your own.	Funding to match your ambitions.

Who Can Apply?

Our Commercial Mortgages are available to:

✔️ Businesses looking to purchase a commercial property, unit or garage

✔️ Investors seeking to acquire or refinance commercial assets

✔️ Businesses looking to expand or relocate their premises

Renting vs Owning Your Business Premises

Renting	Owning
❌ Not always a permanent base	✅ A place to call your own
❌ Subject to lease terms and rental rises	✅ Greater control and certainty
❌ Improvements benefit the landlord	✅ Improvements benefit your business
❌ Monthly rental costs	✅ An investment in your future
❌ No ownership stake	✅ Build equity over time
❌ Business location can change	✅ Put down roots for the long term

Representative example

A mortgage loan of £250,000 over a term of 15 years would require:

- 60 monthly payments of £2,461.85 during the initial 5-year fixed rate period at 8.5%, based on a 75% loan-to-value (LTV) ratio; and

- 120 monthly payments of £2,735.51 thereafter, assuming a follow-on rate of 11.0% for the remaining 10 years.

The total amount payable under this illustration would be £475,972.20, comprising £250,000 of capital and £225,972.20 in interest.

The follow on rate applied in this example is for illustrative purposes only. The actual follow on rate available at the end of the fixed rate period may be higher or lower than the rate assumed.

The APR (Annual Percentage Rate) for this example is 9.84%.

Invest in your business address...

We're here to help you lay down roots in a space that you can make your own.

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Get help from our Conister Bank mortgages team:

We're with you every step of the way.

Whether you prefer a phone call, email, or in-person visit, we're here to help make your commercial mortgage a reality.

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