Buying business property? Our commercial mortgage could help

Commercial Mortgage

Looking to buy or remortgage a commercial property?

Owning your own premises could be a great way of growing your business. With a Commercial Mortgage you’ll benefit from any increase in the property’s value and you won’t have the constraints of renting.

Features and benefits

Borrow from £25,001 with no upper limit on a variable interest rate or up to £10m on a fixed interest rate, subject to approval

Fixed and variable interest rates available

Repayment terms up to 25 years

No early repayment charges, conditions apply

Capital Repayment Holiday available, subject to approval. Conditions apply and you must keep paying the interest during the repayment holiday

Capital & Interest or Straight Line repayment profiles available

Arrangement and security fees may apply

Commercial Mortgage Fixed Interest Fact Sheet (PDF 0.7MB)

Commercial Mortgage Variable Interest Fact Sheet (PDF 0.7MB)

Applying for a commercial mortgage

Enquiry process

Submit enquiry online

If you are ready to apply for a commercial mortgage, or you wish to switch your commercial mortgage with us, enquire online and our team will get in touch to talk through solutions tailored to your business and the property you want to buy.

Meeting your Relationship Manager

When you decide on us as your commercial mortgage provider, you will be assigned one of our expert Relationship Managers who will support you in your application process. They will ensure we understand your goals, needs and objectives as best as we can to help us create a deal that works for you. Once you submit the application, you will receive your quotations and your Relationship Manager will collect any further information. Once this is sorted, your Relationship Manager will pass this onto our credit team for review.

Application outcome and receiving funds

After the credit team reviews your documentation, your Relationship Manager will contact you to discuss the application outcome, terms and condition, as well as any next steps that need to be taken if applicable. Once all of the documentation has been returned and any conditions are satisfied, your Relationship Manager will confirm that funds have been paid to your business bank account.

What you need to apply

Contact and business details

We need your basic contact information, along with details about your business such as your business’ name, the type of organisation it is and its address. You can also provide us a Companies House number to make the process easier.

Turnover in the last 12 months

We'll ask you to provide turnover figures to get a better understanding of which team will be right for your application. If you are a startup or your business is less than 12 months old, you can use the aggregated amount based on current trading performance.

Business annual profit details

We will also ask for a figure of your earnings before interest, taxes, depreciation, and amortization (EBITDA) from the last 12 months. For startups or new businesses, you may use the aggregated amount up to date. 

Commercial Mortgage Calculator

Use our Commercial Mortgage Calculator to tailor the amount you might like to borrow and the repayment term to check the amounts you're likely to repay each month. 

Property Purchase Price
Interest Rate
Mortgage Value
Monthly Cost

per month

Enquire online in just 2 minutes we’ll be in touch to talk through possible solutions tailored specifically to you.

These results are not a confirmed quote provided by NatWest and are only indicative based on a repayment mortgage and the information you have entered into the calculator.


Get in touch with us today

Ready to enquire?

Simply tell us a little about your business and we'll be in touch to talk through possible solutions tailored specifically to you.

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Speak to our team

If you have a Relationship Manager speak to them to discuss your needs, or phone us to speak with our dedicated team.

Lines are open 9.00am – 5.30pm Monday to Friday (except public holidays). 

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Useful information about our commercial mortgage

Customers with hearing and speech impairments can contact us by using our Relay UK Service: 18001 0345 711 4477

For more information visit the accessibility page.

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Additional lending for your business

Looking for a quick cash option?

Apply for a business loan in just 10 minutes and get an instant decision. If approved, you could have the money within 24 hours.

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Turn your long-term ambitions into action

Borrow from £25,001 with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval​.

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Other ways to borrow money

We have a range of finance options to cover your needs, including flexible loans, overdrafts and alternative business funding.

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Something else we can help you with?

National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 250 Bishopsgate, London EC2M 4AA.