N&P Commercial Mortgages offers an award-winning commercial mortgage service to both trading businesses and property investors who are based in the UK.
Over 25 years ago, we set up a specialist team to deal with commercial mortgage enquiries, and now the team has over 2,000 mortgage customers.
We are proud of our innovative and flexible approach.
All loans are subject to status and secured against property. Sometimes, additional security may be required.
- Offset commercial mortgage - use the balance in your Business Gold Current Account to offset up to 30% of the mortgage.
- Flexible commercial mortgage - borrow up to 30% of the mortgage as a flexible facility, which works similar to an overdraft. You can draw or repay when you like.
- Commercial investment properties
- Lending amounts £75,000 - £10,000,000 maximum per portfolio.
- Loan terms from 5 to 25 years.
- Fast, efficient and personal service from application through to completion.
- LTV typically up to 75%.
- VAT bridging facility available for a period of 12 weeks on an interest only basis.
- Experienced in Pension Scheme & Self Build lending.
- Lending managers visit all customers with loan amounts over £200,000.
- Named points of contact with direct dial contact numbers.
- Variable rates - 50% of the balance can be repaid annually without charge (early repayment charges will apply to amounts over this).
- Fixed rates are also available.
- Early repayment charges usually apply to all our commercial products.
- Arrangement fees will apply to all our commercial products.
For the purchase of established businesses.
Designed for buying a residential property to rent out, or one which is let already, through your Limited Company, LLP or trust.
As its name suggests, a commercial mortgage with more flexiblity.
Buying a property to rent out?
You can use surplus cash balances to reduce the amount of interest you pay on your mortgage
Mortgages for profitable businesses.