N&P Commercial Mortgages

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, they set up a specialist team to deal with commercial mortgage enquiries, and now the team has over 2,000 mortgage customers.

• 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.
• 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.