Published and reviewed 18 October 2026. General information, not advice. Figures are illustrations, not lender quotes.
The short version
- A commercial remortgage replaces the loan on a commercial property with a new one, from your current lender or a new lender, to cut the rate, change the terms, refinance a loan that is ending or release capital.
- Start the review about a year before a fixed rate or facility ends. In our example, letting a £400,000 loan revert from a fixed deal to an 8.5% rate costs about £400 a month more than a new deal at 6.75%.
- The lowest rate is not always the cheapest deal. Switching lenders in our example cost about £10,850 in fees and took around 27 months to pay back, and a slightly dearer rate from the existing lender came out about £2,700 cheaper over five years.
- Early repayment charges usually decide the timing. With 12 months left on a fixed rate, a 2% charge of £8,000 outweighed the £4,570 of interest the company would save by switching early.
- Raising capital depends on two tests, loan to value and rent or profit cover, and the lower answer wins. Lenders also look again at the property and the business, so a fall in value can leave a gap to fill when a loan matures.
What a commercial remortgage is
A commercial remortgage, also called commercial refinancing, means replacing the loan secured on a commercial property with a new loan. The property stays where it is and so does the owner. What changes is the lender, the rate, the term, the amount borrowed, or all four. The new loan pays off the old one on the day it completes, and the new lender takes the first charge over the property.
It applies to any non-residential property a business owns or lets: offices, shops, workshops, warehouses, surgeries, pubs, hotels and mixed-use buildings such as a shop with a flat above. The property can be one the business trades from, known as owner-occupied, or one let to tenants, known as investment property. Our guide on how to get a commercial mortgage explains how the two are assessed when you buy. A remortgage uses the same tests, with one big advantage: the lender can see how the loan has been run so far.
There is more than one way to refinance, and the right one depends on what you want to achieve.
| Route | What it is | Best when | Watch for |
|---|---|---|---|
| Product switch with your current lender | Your lender offers a new rate or a renewed facility on the same loan. | You are happy with the lender and only want a new rate or term. | Retention offers are not always the best on the market. Compare them. |
| Remortgage to a new lender | A new lender repays the existing loan and takes a fresh first charge. | The rate gap is large, you want more money or your current lender will not renew. | Valuation, legal fees on both sides and arrangement fees. Takes longer. |
| Further advance | Your current lender lends more on top of the existing loan. | You want extra capital and your existing rate is good. | The extra money may be on a different rate, and a new valuation is usually needed. |
| Second charge loan | A separate lender lends behind your existing mortgage. | You need capital but leaving your current deal would trigger a large early repayment charge. | Higher rates and the first lender’s consent may be needed. |
| Bridging loan, then refinance | A short-term loan while the property is improved, re-let or sold. | The building is empty, needs work or does not yet meet mainstream criteria. | Expensive monthly interest and fees. Needs a firm exit plan. |
| Sale and leaseback | You sell the building to an investor and rent it back. | You want to release all the equity and stop owning the property. | You lose the asset and any growth, and take on a long lease. |
Our guide to commercial loans covers development and second charge finance, and our guide to commercial bridging loans covers bridging costs and exits in detail. This guide focuses on the first three routes, which are what most businesses mean by a commercial remortgage.
When remortgaging makes sense, and when it does not
Most commercial remortgages start with one of a handful of triggers. If one of these applies to you, it is worth running the numbers.
- A fixed rate is ending. When a fixed or discounted period ends, many loans move to the lender’s standard variable rate or a reversion margin over Bank Rate, which is often well above what a new customer would pay.
- The facility itself is ending. Many bank commercial loans run for a set term, often three to seven years, with repayments calculated over 15 to 25 years. The rest falls due at the end, so the loan must be renewed or refinanced. This is the most important trigger to plan for, because missing it is a default.
- Rates have moved. Bank Rate peaked at 5.25% in 2023 and the Bank of England has held it at 3.75% since December 2025. Businesses that fixed in 2023 or early 2024 may be paying more than current deals.
- The property is worth more, or the loan is much smaller. A lower loan to value usually means a lower margin, and it may let you raise capital.
- You need capital. Releasing equity can fund expansion, a refurbishment, another property or the repayment of more expensive debt.
- The structure needs to change. Moving from owner-occupation to letting, adding or removing an owner, moving a property into a company, or getting rid of a personal guarantee or a covenant that no longer fits.
- The relationship has soured. A lender that has reduced its appetite for your sector, or keeps raising covenant queries, may not be the lender to stay with.
When it usually does not pay
- When an early repayment charge or break cost is larger than the saving over the time left on your current deal.
- When the loan is small or short. The fixed costs of switching, such as valuation and legal fees, are a large share of a small loan, and a short term leaves little time to recover them.
- When trading or the property has weakened since you last borrowed. A new lender may offer less, or a worse rate, than your existing lender is willing to roll over.
- When you are about to sell. Refinancing a property you expect to sell within a year or two rarely recovers its costs.
The test is always the same: the saving over a realistic period must be bigger than everything it costs to get there. The next three sections show how to work that out.
Early repayment charges and break costs
The charge for leaving a loan early is usually the biggest single cost of remortgaging, and it is the one that most often decides the timing. Commercial loans use three main kinds, and your facility letter will say which applies.
| Type | How it works | Typical pattern |
|---|---|---|
| Fixed percentage | A set percentage of the amount repaid, falling each year. | For example 5%, 4%, 3%, 2% and 1% over a five-year fix, then nothing. Common with specialist and challenger lenders. |
| Break costs | The lender’s actual cost of unwinding the fixed rate, worked out on the day you repay. | Common with high street banks on fixed-rate business loans. Can be large if market rates have fallen since you fixed, and small or even nothing if they have risen. |
| Yield maintenance or make-whole | Compensates the lender for the interest it would have earned for the rest of the fixed period. | Mostly on larger investment loans. Can be very expensive early in the term. |
Look for these as well:
- Exit or redemption fees. A smaller administration charge for closing the account and releasing the charge, payable even after the early repayment period ends.
- Overpayment allowances. Some loans let you repay 10% or so a year without a charge. These usually do not apply when you repay the whole loan.
- Interest rate swaps. Some larger bank loans are on a variable rate with a separate swap to fix the cost. The swap is its own contract with its own break cost, and it needs unwinding as well as the loan.
Ask your lender for a redemption statement showing the balance, any early repayment charge or break cost and every fee, as at the date you expect to complete. For a break cost, ask for an indicative figure and how it is calculated, because it changes with market rates until the day you repay.
For regulated mortgages, the Financial Ombudsman Service expects early repayment charges to be clearly disclosed and to be a reasonable pre-estimate of the lender’s costs. Most loans to companies secured on commercial property are not regulated, so the contract is what governs the charge, but a charge that was never clearly explained can still be challenged, and smaller businesses may be able to take a complaint to the Ombudsman.
Worked example: switch now or wait?
A company owes £400,000 with 15 years left. It is on a fixed rate of 7.9% with 12 months of the fix to run, and leaving now would cost a 2% early repayment charge, £8,000. A new lender offers 6.75% fixed for five years.
- Monthly repayment at 7.9%: about £3,800. At 6.75%: about £3,540, about £260 a month less.
- Interest saved over the 12 months by switching now: about £4,570.
- The early repayment charge alone is £8,000, before any switching costs.
Switching early would lose the company about £3,400 before fees. The better plan is to apply three to six months before the fix ends, so a new deal is ready on the day the charge falls away. The risk of waiting is that rates rise in the meantime, so many businesses secure an offer early and keep an eye on what their existing lender will offer too.
What a commercial remortgage costs
Switching lenders involves most of the costs of buying, apart from the deposit and usually Stamp Duty Land Tax. Staying with your current lender usually involves far fewer. Get each figure in writing before you commit.
| Cost | Typical level | Notes |
|---|---|---|
| Early repayment charge or break cost | Nothing to 5% of the balance, or the lender’s calculated break cost | Only applies if you leave during the early repayment period. See the section above. |
| Exit or redemption fee | Often a few hundred pounds | Charged by the old lender for closing the account and releasing its charge. |
| Arrangement fee | Often 1% to 2% of the new loan | Sometimes added to the loan, which means paying interest on it. |
| Valuation fee | Scaled to the property’s value and complexity, from around £1,000 for a simple building | Paid upfront to the lender’s surveyor, even if the loan does not go ahead. |
| Lender’s legal fees | Often £1,500 to £5,000 or more | In commercial lending the borrower normally pays the lender’s solicitor as well as its own. |
| Your legal fees | Often £1,500 to £5,000 or more | Higher for leasehold titles, tenanted buildings or several properties. |
| Land Registry fee | £20 to £140 online in England and Wales | Registering the new charge is assessed on Scale 2 by the amount secured. Paper applications cost more. |
| Companies House | £14 online to register the new charge | Must be registered within 21 days of the charge being created. The old lender’s charge is marked as satisfied. |
| Broker fee | Nothing to around 1% of the loan | Ask how a broker is paid, including any commission from the lender. |
| Stamp Duty Land Tax | Usually nothing | A straight refinance with no change of ownership is not a purchase. A change of owners can trigger it, as explained below. |
Staying with the same lender usually avoids the valuation, the legal work and the Land Registry and Companies House filings, because the existing charge stays in place. You may still pay a product or renewal fee, and some lenders ask for a new valuation if they have not had one recently or if you want to borrow more.
Worked example: is switching worth the cost?
The same company now reaches the end of its fixed rate. Its £400,000 loan, with 15 years left, would revert to 8.5%. It has three choices. All figures are illustrations, not quotes.
- Do nothing: about £3,940 a month at the reversion rate.
- Remortgage to a new lender at 6.75%, fixed for five years: about £3,540 a month, a saving of about £400 a month. Costs: a 1% arrangement fee of £4,000, valuation £2,000, lender’s legal fees £2,500, the company’s legal fees £2,000, an exit fee of £300 and a Land Registry fee of £45. Total about £10,850, which takes about 27 months of savings to recover.
- Take a product switch from the existing lender at 7.1%, with a £1,500 fee: about £3,620 a month.
Over the five years, interest plus fees comes to about £131,500 with the new lender and about £128,800 with the product switch. The new lender’s headline rate is lower, but the switch is about £2,700 cheaper because it avoids most of the fees. Both are far better than doing nothing, which would cost about £154,000 in interest over the same period. On a larger loan, or a wider rate gap, the answer flips, which is why the comparison is worth doing every time.
Compare offers on the total cost over the same period, not on the rate alone. Our guide to comparing business loans sets out how, and the commercial mortgage calculator will give you the monthly figure for any balance, rate and term.
Ready reckoner: monthly repayment per £100,000
Capital repayment, fixed rate, monthly payments. Multiply by your balance in hundreds of thousands to compare a current rate with a new one.
| Rate | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| 5.5% | £1,085 | £817 | £688 | £614 |
| 6% | £1,110 | £844 | £716 | £644 |
| 6.5% | £1,135 | £871 | £746 | £675 |
| 7% | £1,161 | £899 | £775 | £707 |
| 7.5% | £1,187 | £927 | £806 | £739 |
| 8% | £1,213 | £956 | £836 | £772 |
| 8.5% | £1,240 | £985 | £868 | £805 |
| 9% | £1,267 | £1,014 | £900 | £839 |
How much can you borrow when you remortgage?
A new lender sizes the loan from scratch, using the same two tests as for a purchase. The lower answer sets the maximum.
- Loan to value. Most mainstream commercial lenders lend up to about 60% to 75% of the property’s current value, as assessed by their own valuer. Specialist buildings, short leases or weaker covenants mean a lower figure.
- Affordability. For an owner-occupied building, the lender compares the business’s earnings with the repayments, usually as a debt service cover ratio. For an investment property, it compares the rent with the interest, called interest cover, and often tests it at a higher stress rate than the one you will pay. Our guide to how much you can borrow explains the cover ratio in detail.
The capital you can release is the new maximum loan, less the balance you owe, less the costs of the deal.
Worked example: releasing equity from a let property
A company owns an industrial unit let to a tenant for £55,000 a year. The lender’s valuer puts it at £750,000, and the company owes £300,000. The company wants to release capital on an interest-only loan. The lender’s assumptions, which are illustrations: a maximum 70% loan to value, and rent of at least 140% of the interest calculated at a stress rate of 8%.
- Loan to value test: 70% of £750,000 = £525,000.
- Interest cover test: £55,000 divided by 1.4, divided by 8% = about £491,000.
- The lower figure wins, so the maximum loan is about £491,000, and the rent sets the limit, not the value.
- Repaying the £300,000 leaves about £191,000. After a 1.5% arrangement fee, valuation and legal costs of about £14,900, the company would receive about £176,000.
At a pay rate of 7%, interest would be about £2,865 a month, covered 1.6 times by the rent. If the tenant’s lease ends within a few years, expect a lender to reduce the loan or ask for more cover, because the rent is what repays it.
Three points are worth checking before you release capital:
- What the money is for. Lenders ask, and some will not lend for certain purposes. Money released to buy another property or repay expensive debt is usually more straightforward than money paid out to the owners.
- Tax. Whether the interest on the extra borrowing is deductible depends on what the money is used for and who owns the property. Ask your accountant before drawing money out of a company or a property partnership.
- Your other borrowing. A bigger mortgage leaves less room in the affordability test for future loans, and may need the consent of any other lender with a charge over the business.
A remortgage is not the only way to release capital. Our guide to business loans secured against property compares it with a further advance and a second charge loan on the same £200,000, including the cost of losing a fixed rate early.
Refinancing a loan that is coming to an end
Many commercial mortgages from banks are facilities with a fixed end date, often three to seven years after they start, even though the repayments are worked out over a much longer period. When the facility ends, the remaining balance is due in full. Most lenders renew good loans, but they are not obliged to, and they will look at the property and the business again first.
This creates refinancing risk. If the property has fallen in value, trading has weakened or the lender has changed its appetite for your sector, the new loan may be smaller than the balance you owe.
Worked example: a gap at maturity
Five years ago a company borrowed £500,000 against its £700,000 premises, a 71% loan to value. Repayments were worked out over 20 years at 6%, about £3,580 a month, but the facility ran for five years.
- At the end of year five the balance is about £424,500.
- A new valuation puts the building at £600,000, so the loan to value is now about 71% again, despite five years of repayments.
- The new lender’s maximum is 65%, or £390,000. That leaves a gap of about £34,500.
The affordability test is not the problem here: earnings of £75,000 a year would cover repayments on the full balance over 15 years at 6.75%, about £3,760 a month, about 1.7 times. The value is. The company’s choices are to pay the gap from cash, ask its existing lender to extend at the current loan to value, borrow the gap separately, or offer additional security. Each is easier to arrange with a year’s notice than with a month’s.
Put the facility end date in your diary on the day you sign, and start talking to your lender, and to the market, about 12 months before it. If you think there may be a gap, find out early. Lenders are far more flexible with a borrower who raises an issue ahead of time than with one who reaches the end date without a plan.
Choosing the rate: fixed, variable or tracker
Remortgaging is a chance to choose the rate type again. Commercial mortgage rates are usually about 6% to 9% a year at the moment, with lower loan to value, strong tenants or trading and simple buildings at the lower end. Our guide to commercial mortgage rates shows how lenders build fixed and tracker rates and what each costs a month.
| Rate type | How it works | Suits | Watch for |
|---|---|---|---|
| Fixed | The rate is set for an agreed period, often two to five years and sometimes ten. | Businesses that want certain repayments. | Early repayment charges or break costs for the whole fixed period. |
| Variable or tracker | A margin above Bank Rate or another reference rate, so payments move when it does. | Borrowers who may repay or sell early, or who can absorb a rise. | Payments rise with rates. Check for a minimum rate, called a floor. |
| Variable with a hedge | A variable loan with a separate swap or cap that limits the rate. | Larger loans where the bank offers hedging. | The hedge is a separate contract with its own costs and break terms. |
Match the length of any fix to your plans. A five-year fix on a property you may sell in two years can lock in a large break cost. A variable rate on a loan with tight affordability can push the cover ratio below the lender’s covenant if rates rise.
Stress-test the repayment before you choose. On our £400,000 example, a rise from 6.75% to 8.75% would add about £460 a month. With Bank Rate at 3.75% and the next Bank of England decision due on 5 November 2026, it is worth knowing whether the business could carry that.
How to remortgage commercial property, step by step
A straightforward commercial remortgage often takes about six to twelve weeks from application to completion. Tenanted buildings, several properties or complicated titles can take longer. Working back from your deadline, the steps are:
- About 12 months before: review. Find the date your fixed rate, early repayment period or facility ends. Note the balance, the rate it will move to, and the covenants and guarantees in place.
- Six to nine months before: get the figures. Ask your lender for a redemption statement and what it would offer to renew. Gather up-to-date accounts, management figures and, for investment property, the leases and rent roll.
- Three to six months before: compare and apply. Compare your lender’s offer with the market on total cost over the same period. Many offers are valid for three to six months, which lets you secure a deal ahead of the date.
- Valuation. The new lender instructs a surveyor. You pay upfront. If the value comes in lower than expected, the loan may be reduced.
- Facility letter. Check the rate, fees, term, repayment type, security, guarantees, covenants and early repayment charges. Have your solicitor review it before you sign.
- Legal work. Your solicitor and the lender’s solicitor check the title and leases, deal with the old lender’s redemption figure and prepare the new charge. Most delays happen here, so answer questions quickly.
- Completion. The new lender pays off the old loan and any surplus is paid to you. Pick a date that falls after the early repayment charge ends, if timing allows.
- After completion. The new charge is registered at HM Land Registry and, for a company, at Companies House within 21 days. The old charge is marked as satisfied. Check both have been done.
What lenders ask for
| Document | Owner-occupied | Investment property |
|---|---|---|
| Filed accounts | Usually the last two to three years | For the owning company, plus any trading tenant information you hold |
| Management accounts | Year to date, and a forecast if trading has changed | Usually only for larger or portfolio loans |
| Bank statements | Business account, often six to twelve months | Account where the rent is received |
| Current mortgage | Redemption statement and payment history | Redemption statement and payment history |
| Leases and rent | Not usually needed | Copies of each lease, the rent roll and any arrears |
| Property details | Title, use, any works carried out | Title, use, tenancy schedule, service charges |
| People | Identity, address and assets and liabilities of directors or guarantors | The same, plus your property experience |
| Purpose of any extra money | A short explanation with figures | A short explanation with figures |
Our guide on how to get a business loan explains how lenders read accounts and bank statements, and what to do if an application is declined.
Special cases
Mixed-use and semi-commercial property
A building that is part home and part business, such as a shop with a flat above, may be treated as commercial, residential or something in between. A loan to an individual or trustees can be a regulated mortgage contract if at least 40% of the land is used, or is intended to be used, as a dwelling, which brings different lenders and protections. A loan to a limited company is generally outside that regulation.
Moving a property into a limited company
Some owners refinance at the same time as transferring a property they own personally into their company. This is a change of ownership, not just a remortgage. When property is transferred to a connected company, Stamp Duty Land Tax may be charged on its market value rather than the price paid, and taking over some or all of a mortgage can count as payment. Capital Gains Tax may also apply. Take tax advice before you agree anything with a lender.
Adding or removing an owner
A transfer of a share of the property, for example when a partner leaves, can trigger Stamp Duty Land Tax on any money paid and any share of the mortgage taken on. Lenders will also want to see that the remaining owners can support the loan.
Empty buildings, short leases and properties needing work
Mainstream lenders want a building that is let or in use, in reasonable condition and with a clear future. If your tenant is leaving, the lease has only a short time to run or the building needs work, a short bridging loan while you re-let or refurbish, followed by a long-term remortgage, may be the only route. Price both stages before you start.
Personal guarantees
A remortgage is a good time to ask whether a personal guarantee is still needed, or whether it can be capped or released. A lower loan to value and a longer trading record help. Check whether the old lender’s guarantee is formally released when the loan is repaid. Our personal guarantees guide explains what to look for.
Common remortgage mistakes
| Mistake | What it costs | How to avoid it |
|---|---|---|
| Starting too late | Months on a reversion rate, or a facility that expires without a replacement. | Diary the end date and start 12 months before. |
| Comparing rates, not total cost | A cheaper rate can cost more once fees are counted, as our example shows. | Compare interest plus all fees over the same period. |
| Ignoring the early repayment charge | Paying thousands to leave early for a smaller saving. | Get a redemption statement and work out the break-even point. |
| Assuming the value has gone up | A lower valuation shrinks the loan or the capital released. | Check recent comparable sales and lettings, and keep a cash buffer. |
| Overlooking lease dates | A lease ending soon reduces what a lender will offer on an investment property. | Renew or extend leases before refinancing where you can. |
| Not checking the old charge is cleared | An old charge left on the register can delay a future sale or loan. | Ask your solicitor to confirm the release at Land Registry and Companies House. |
Is a commercial remortgage regulated?
Usually not. Loans to limited companies secured on commercial property are generally outside Financial Conduct Authority mortgage regulation, so the facility letter, the charge and any guarantee are your main protection. Read them in full and have a solicitor review them.
- Regulated exceptions. A loan to an individual or trustees secured on property that is at least 40% residential can be a regulated mortgage contract.
- Voluntary standards. Many banks follow the Lending Standards Board’s Standards of Lending Practice for business customers, which cover how smaller businesses are treated, including when a loan is renewed or not.
- Complaints. Micro-enterprises and many small businesses can take a complaint to the Financial Ombudsman Service if a lender does not resolve it.
Where Business Loan Advice fits
We are not a lender and we do not give personal advice. We are preparing a service that will introduce UK limited companies directly to lenders, including for commercial mortgages and remortgages. No lenders are confirmed yet, so we cannot currently obtain quotes or make introductions. You will not pay us a fee. If a lender pays us commission after the service launches, we will tell you before asking your permission to refer you.
In the meantime, the commercial mortgage calculator and these guides are free to use with no sign-up. If your limited company is planning to refinance its premises or a let property, you can register its interest and we will contact you about the service launch. Read how we are paid for the details.
Common questions
Can you remortgage a commercial property?
Yes. You can switch to a new deal with your current lender, move the loan to a new lender, or borrow more against the property. The new lender assesses the property value and the business or rent again, and the new loan repays the old one on completion.
Is refinancing the same as remortgaging?
In practice, yes. Both mean replacing the loan on a property with a new one. Refinancing is the wider term and can also cover replacing other business debt.
How long does a commercial remortgage take?
A straightforward commercial remortgage often takes about six to twelve weeks from application to completion. Tenanted buildings, several properties or complicated titles can take longer. A product switch with your current lender is usually quicker.
When should I start looking to remortgage?
About 12 months before your fixed rate, early repayment period or facility ends. That leaves time to get figures, compare offers and apply three to six months ahead, so a new deal is ready when the old one ends.
How much does it cost to remortgage commercial property?
Switching lenders usually means an arrangement fee of around 1% to 2%, a valuation, legal fees for your solicitor and the lender’s, and registration fees, plus any early repayment charge. In our £400,000 example the costs came to about £10,850 before any early repayment charge.
What is an early repayment charge on a commercial mortgage?
A charge for repaying during an agreed period, often the fixed-rate term. It may be a falling percentage of the balance, such as 5% down to 1%, or a break cost based on what it costs the lender to unwind the fixed rate. Your facility letter sets out which applies.
Can I release equity from my commercial property?
Usually, if the property has risen in value or the loan has been paid down. Lenders commonly lend up to about 60% to 75% of the value, and the rent or profits must also cover the repayments. The capital released is the new loan less the balance owed and the costs.
Do I pay stamp duty when I remortgage a commercial property?
Not on a straight refinance with no change of ownership. Stamp Duty Land Tax can apply if the remortgage is combined with a transfer, such as moving the property into a connected company or buying out a co-owner, including on any share of the mortgage taken on.
What happens if my commercial mortgage term ends and I cannot refinance?
The balance falls due, and not repaying it is a default. Speak to your lender early. Common solutions are an extension, a smaller new loan with a cash contribution, extra security, a short bridging loan or selling the property.
Can I remortgage a commercial property with a lower value than I paid?
Often, yes, but the new loan is based on the current value. If the balance is above the new lender’s maximum loan to value, you may need to pay down the difference, offer more security or ask your existing lender to extend.
Should I stay with my current lender or switch?
Compare total cost, not just the rate. Staying usually avoids valuation and legal fees, so a slightly higher rate can still be cheaper over the deal, as in our example. Switching tends to win when the loan is larger or the rate gap is wide.
Are commercial remortgages regulated by the FCA?
Usually not when the borrower is a limited company and the property is commercial. A loan to an individual or trustees where at least 40% of the property is used as a dwelling can be regulated. Smaller businesses may still be able to complain to the Financial Ombudsman Service.
Can I remortgage to remove a personal guarantee?
Sometimes. A new lender may not ask for one if the loan to value is lower and the business is strong, or may accept a capped guarantee. Make sure the old lender formally releases the existing guarantee when the loan is repaid.
Bank of England: Bank Rate, 3.75% after the 17 September 2026 decision
HM Land Registry: registration services fees, Scale 2
GOV.UK: register a charge for a limited company
Financial Ombudsman Service: early repayment charges
FCA Handbook PERG 4.4: what is a regulated mortgage contract
GOV.UK: Stamp Duty Land Tax when transferring ownership of land or property
NatWest: commercial remortgage, an example of a published lender product
Lending Standards Board: the Standards of Lending Practice
Financial Ombudsman Service: who can complain
Rates, tax bands and lender criteria change. Confirm the current details with the lender, your solicitor or your accountant before relying on them.