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Commercial mortgage criteria guide >

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Key criteria & sectors

Loan to Value (excluding fees):

  • Capital & Interest and Part & Part Loans: up to 70% (Offices up to 60%)
  • Interest Only Loans: up to 60%

Debt servicing:

  • Capital & Interest Loans: 125% (145% if >15 year term) Commercial Investment and 165% Commercial Owner Occupier
  • Part & Part Loans: 125% C&I and 145% I/O (Commercial Investment), 135% C&I and 165% I/O (Commercial Owner Occupier)
  • Interest Only Loans: 145% Commercial Investment and 165% Commercial Owner Occupier

Loan to Value (excluding fees):

  • Capital & Interest and Part & Part Loans: up to 70% (Offices up to 60%)
  • Interest Only Loans: up to 60%

Debt servicing:

  • Capital & Interest Loans: 125% (145% if >15 year term) Commercial Investment and 165% Commercial Owner Occupier
  • Part & Part Loans: 125% C&I and 145% I/O (Commercial Investment), 135% C&I and 165% I/O (Commercial Owner Occupier)
  • Interest Only Loans: 145% Commercial Investment and 165% Commercial Owner Occupier
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Commercial mortgages criteria guide

Subject to status. Security may be required. Any property or asset used as security may be at risk if you do not repay any debt secured on it.