Close risk warning

As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case, if the borrower is unable to repay their loan. At Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan, with the added benefit of a discretionary Provision Fund for some of our investment accounts. Investment Account target interest rates should be considered along with the relevant Investment Account expected defaults & losses information. Past performance does not guarantee future performance. We recommend that prospective lenders read the Key Investor Information pages before investing.

Commercial Mortgages

0800 470 0431


The personal information we collect from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services or finance. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at

If you are looking to raise business finance, have a client looking to raise business finance, or have any other question or enquiry, please call our Business Development Team on 0800 470 0431 who will be delighted to help you. Alternatively please send an email to if you are looking for your own business or for a client's business.

If you prefer to contact your local representative directly, please use the Find Your Local Relationship Director section.


Borrowing enquiry   Introducing enquiry

About Commercial Mortgages

Many businesses want to own the premises they operate from, or commercial landlords are looking to increase their portfolios. An Assetz Capital Commercial Mortgage allows the borrower to do just that, whether it is office, industrial or mixed use premises, our experienced Relationship Directors will work with you to tailor a loan to your needs.

Fast Facts

Product Benefits

  • Interest only periods, longer amortisation profiles and seasonal repayments. We tailor the loan to meet your needs

  • Fixed rates allow you to budget effectively for the term of the loan

  • Mainland UK and NI, and any property type considered

  • You may need to remortgage a property to release equity for the business, our Commercial mortgages allow you to free up locked in capital

Introducer Benefits

  • A dedicated Relationship Director will work with you to maximise your understanding of our great range of flexible finance products

  • We can supply mailers, term sheets and case studies ready to send out to your clients, co-branded if required

  • We pay procuration fees to introducers where this does not create a conflict of interest

  • One relationship, lots of products to suit different clients

Indicative Terms Sheet

Each facility will be structured and priced on its own merits. We will consider terms outside the above LTV and maximum loan guidelines where the circumstances of the loan warrant it.

Loan Type First Charge Second Charge
Commitment Term Up to 5 years
Amortisation Profile
(Interest only periods may be available)
Up to 20 years
Maximum LTV 75% 70%
(including prior debt)
Preferred LTV ≤ 70% ≤60%
Maximum Debt £5m
Preferred Debt Size £500k - £2m
Arrangement Fee Negotiable but typically 2.5%
Interest Rate
(Rate dependent on risk and loan size)
< 50% LTV from 6.9% min
50-60% LTV from 8.4% min
> 60% LTV from 8.9% min
< 50% LTV from 7.9% min
50-60% LTV from 9.4% min
> 60% LTV from 9.9% min

In Detail

    • First or second charge security taken over acceptable commercial or industrial properties in mainland UK and NI
    • Deed of Priority required from existing lender on Second Charge loans
    • Additional security may be required including debentures and supplementary legal charges
    • For owner occupiers where the trading business is held in a separate entity to the property, a cross guarantee will be required.
    • Owner occupier and Landlords considered
    • Interest charged daily subject to minimum loan term (specific to each loan) Lending Terms
    • We will lend to an individual or Limited Company (including SPVs) and are able to consider overseas jurisdictions owning UK properties, subject to suitable foreign legal opinions
    • Broker fees will be added to the loan where the LTV allows and paid on completion. Responsibility for advising the Borrower on structure and pricing will be solely that of the broker
    • Details of a viable exit will be required and in some cases we may request evidence of this
    • Lending will be based on the market value (180 day), however, we reserve the right to lend based on the 90 day value should we deem it necessary
    • Where a property is being purchased at a discount, we will lend up to 95% of the discounted purchase price as long as this does not exceed the maximum LTV for the property
    • Impaired credit will be considered on a case by case basis
    • The borrower is responsible for all professional fees and an undertaking/cover for legal and other professional costs will be required
    • Title Insurance will be a requirement on loans where they fit the relevant criteria and the fee for this will be included in the legal cost
    • Please note: Assetz Capital does not provide FCA regulated mortgage contracts or regulated Consumer Credit loans
Download image

Brochure Download

Click on the link below to download a pdf version of the loan details, with the product benefits, indicative terms and a case study all included.

Case Study

Find out how Chris Clark refurbished his fleet of luxury cruisers with the help of Assetz Capital.

View case study
>Kris Cruisers