We provide loans to businesses requiring finance to purchase or remortgage the premises from which they operate
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A Flexible Approach
We will work with you to understand your circumstances and find the best solution
Personal, Friendly Service
Our professionally qualified team of business lending managers will treat you as more than a number
Benefits of Mutuality
We have no shareholders to satisfy, so you get great value products and services
Where we lend
In our operating area only
Freehold or long leasehold standard construction properties
Who can apply
Individuals, partnerships and limited companies
Established, profitable businesses
How we assess applications
Our business lending managers assess each case individually
Typically up to 60% of property value
50% maximum on interest only
Property types
We consider most types of commercial property
Semi-commercial/mixed use buildings, offices, retail, residential care homes/healthcare properties (doctors, dental and veterinary surgeries) and modern industrial and distribution units
£75,000 minimum mortgage


  • Properties can be freehold, or leasehold with a minimum of 85 years left on the lease at the start of the mortgage and 50 years on maturity.
  • Maximum mortgage term is 25 years on a capital repayment basis or 10 years on an interest only basis.
  • Minimum property value £250,000.
  • We will need to see a minimum of 2 years accounts for a trading business, and we may also require projections.
Operating area map - overlay map
Where We Lend

This is available in our operating area only, which is Cumbria (CA and LA postcodes), South-West Scotland (DG and TD9), West Northumberland (NE45-49), North Lancashire (PR, FY, LA AND BB1-3 and BB5-7) and North Yorkshire (HG, YO, BD20, BD23-24, DL6-11, LS21-23 and LS29).

Book a time for us to call you to discuss your needs

Schedule A Call
Chris Dacre | Business Lending Manager

We know that every business is unique, which is why we don’t have a one-size-fits-all approach to mortgage lending. If you are running an established, profitable business in our operating area and you’re looking to purchase or refinance your premises then our business lending experts may be able to assist

Chris Dacre | Business Lending Manager


You can send the below form to us by e-mail to or by post to our Head Office address. We can accept a scanned version of your signature(s) in Section 14, but we require an original hard copy of the Mortgage Payment Method mandate in Appendix 1 to be posted to us.

Your mortgage is secured on your property. Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.