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We will lend on a wide variety of commercial and semi-commercial properties including:
- Shops - both with and without living accommodation and also where all (or part) will be let
- Surgeries for doctors, dentists and veterinary surgeons
- Offices
- Industrial units
- Land, smallholdings, nurseries or farms
Each enquiry is assessed individually as we appreciate that everyone has different requirements.
The Key features of this mortgage are detailed opposite. In addition to this, copies of our Tailored Mortgages and Mortgage Information leaflets are available as a PDF download.
For further details and to discuss your individual requirements please contact our Mortgage Department on 01582 463 133 or email mortgages@harpendenbs.co.uk.
Tailored Mortgages Leaflet PDF2.2MB You will need to have Adobe Acrobat Reader installed on your computer to view or print any of our forms. Click here to download.
*The actual rate payable will depend upon your individual circumstances, please ask for a personalised illustration.
This mortgage will not be regulated by the Financial Services Authority (FSA). Follow this link for information regarding Mortgage Regulation.
Building insurance cover is required and can be arranged by the Society.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The Society is authorised and regulated by the Financial Services Authority.
| Terms | |
| Minimum loan: | £50,000 |
| Maximum loan: | £1 million |
| Value of property: | Not less than £100,000 |
| Max Loan to Value: | 50% of the property value (depending on the property type) |
| Current variable rate: | From 5.19% * |
| Overall cost for comparison: | From 5.4% APR * |
| Portable: | Yes |
| Ages: | Min 18 years - no maximum |
| Income capacity: | Based on affordability |
| Valuation fee: | On application |
| Property location: | Local counties preferred, but other areas considered |
| Repayment methods: | Repayment, interest-only, part & part |
| Administration Fee: | £25 |
| Arrangement Fee: | Refer |
| Valuation Fee: | Refer |
| Legal Fee: | Refer |
| Deeds Release fee: | £50 |
| Redemption fee: | £75 |
| Available for new purchase: | Yes |
| Available for remortgage: | Yes |
| Early repayment charge: | For the first 3 years |