Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.
Overlay
Homebuyer buy to let mortgage
They are for individuals who own 10 properties or less, invest in residential property only, and operate without registering as a business entity.
You can borrow from £25,001 with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate.
Information Message
Commercial buy to let mortgage
They are for registered limited companies that wish to invest in non-residential property to be let to a third party or parties, as premises to trade from.
A minimum deposit will be required and may depend on your individual circumstances.
Information Message
How does a buy to let commercial mortgage work?
-
01
Contact us or speak to your Relationship Manager. We'll discuss your requirements and explain the options available to you.
-
02
We'll provide you with a quotation and will collect any further details required to submit your application. Our credit team will then review it.
-
03
We'll be in touch to discuss the outcome, agree the terms and the next steps.
-
04
Once all the documents are finalised and returned, and any further conditions satisfied, we'll confirm that the funds have been paid to your account.
Longer loan terms when compared to other loans
The repayment terms on our commercial mortgage can be set to a term of 25 years, which makes it a great solution for big real estate facilities, especially when compared with Real Estate Finance loan terms which range from three months to five years.
Information Message
Interest rate flexibility and repayment holidays
Buy to let commercial mortgages, just like any commercial loan, are meticulously tailored to each business case, ensuring the terms meet your needs. Our commercial mortgage product offers flexible repayment profiles, a choice between variable and fixed interest, and even repayment holidays (conditions apply and you must keep paying the interest).
Information Message
Variable interest rate borrowers: Changes in the NatWest Bank base rate will affect the amount you need to pay to fully repay your loan. If you repay your loan from an account with NatWest or via Direct Debit, we will automatically adjust your repayments to reflect changes in the NatWest Bank base rate going forward (or, wherever possible, let you know if we are not able to do so for whatever reason). If you repay your loan via standing order from an externally banked account, we will be in touch to let you know the next steps required to adjust your repayments accordingly.
Commercial mortgage factsheets
Thinking about Business premises?
There are several factors to consider before you decide on your business premises. We could help with the decisions and suggest ways you could finance it.
Information Message
Understand commercial re-mortgaging
Commercial re-mortgaging is a refinancing method for mortgages secured against commercial real estate. Find out more about commercial re-mortgaging with us.
Information Message
NatWest Commercial Mortgage
Owning your own premises could be a great way of growing your business without the constraints of renting. Find out more about commercial mortgages.
Information Message