Commercial owner occupier products

If your client is looking to purchase or refinance a property to run their business from, we’ve got the solution for them. We consider most asset classes with no maximum property value or loan amount up to 75% LTV, we’re here to help.

Take a look at our range of products below and discover how we could support your next case.

Talk to our sales team

Our lowest rate

2 year fixed rate

50% LTV

Starting rate 6.19%

Product fee 5%

(4.75% existing customers)

Product highlights

No maximum property value

Most asset classes considered

0.25% reduction in fees for existing borrowers

No maximum loan amount on selected products

1% cashback on selected products (payable on completion)

Download product guide

Products for properties with an EPC rating of C or above

*Limited edition products are available for remortgage only.

Promotion	LTV	Product	Starting rate	Reversion rate	Min. Loan	Max. Loan	Arrangement fee	ERCs
	50%	2 years fixed	7.49%	Starting rate or BBR + 2.49% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	50%	2 years fixed	6.19%	Starting rate or BBR + 1.19% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	50%	5 years fixed	6.99%	Starting rate or BBR + 1.99% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	50%	5 years fixed	6.59%	Starting rate or BBR + 1.59% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	50%	5 years fixed	7.19%	Starting rate or BBR + 2.19% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	50%	5 years fixed	6.79%	Starting rate or BBR + 1.79% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 3%, 1%, 1%
	65%	2 years fixed	7.69%	Starting rate or BBR + 2.69% whichever is higher	£150,000	No max loan size	2%	5%, 4%
Limited edition*	65%	2 years fixed	7.19%	Starting rate or BBR + 2.19% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	65%	2 years fixed	6.39%	Starting rate or BBR + 1.39% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	65%	5 years fixed	7.09%	Starting rate or BBR + 2.09% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
Limited edition*	65%	5 years fixed	6.89%	Starting rate or BBR + 1.89% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	65%	5 years fixed	6.69%	Starting rate or BBR + 1.69% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	65%	5 years fixed	7.29%	Starting rate or BBR + 2.29% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	65%	5 years fixed	6.89%	Starting rate or BBR + 1.89% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 3%, 1%, 1%
	70%	2 years fixed	7.79%	Starting rate or BBR + 2.79% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	70%	2 years fixed	6.49%	Starting rate or BBR + 1.49% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	70%	5 years fixed	7.19%	Starting rate or BBR + 2.19% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	70%	5 years fixed	6.79%	Starting rate or BBR + 1.79% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	70%	5 years fixed	7.39%	Starting rate or BBR + 2.39% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	70%	5 years fixed	6.99%	Starting rate or BBR + 1.99% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 3%, 1%, 1%
	75%	2 years fixed	7.89%	Starting rate or BBR + 2.89% whichever is higher	£150,000	No max loan size	2%	5%, 4%
Limited edition*	75%	2 years fixed	7.29%	Starting rate or BBR + 2.29% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	75%	2 years fixed	6.59%	Starting rate or BBR + 1.59% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	75%	5 years fixed	7.29%	Starting rate or BBR + 2.29% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
Limited edition*	75%	5 years fixed	6.99%	Starting rate or BBR + 1.99% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	75%	5 years fixed	6.89%	Starting rate or BBR + 1.89% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	75%	5 years fixed	7.49%	Starting rate or BBR + 2.49% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	75%	5 years fixed	7.09%	Starting rate or BBR + 2.09% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 3%, 1%, 1%

Products with an EPC rating of D or below

*Limited edition products are available for remortgage only.

Promotion	LTV	Product	Starting rate	Reversion rate	Min. Loan	Max. Loan	Arrangement fee	ERCs
	50%	2 years fixed	8.09%	Starting rate or BBR + 3.09% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	50%	2 years fixed	6.79%	Starting rate or BBR + 1.79% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	50%	5 years fixed	7.59%	Starting rate or BBR + 2.59% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	50%	5 years fixed	7.19%	Starting rate or BBR + 2.19% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	50%	5 years fixed	7.79%	Starting rate or BBR + 2.79% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	50%	5 years fixed	7.39%	Starting rate or BBR + 2.39% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 4%, 3%, 3%
	65%	2 years fixed	8.29%	Starting rate or BBR + 3.29% whichever is higher	£150,000	No max loan size	2%	5%, 4%
Limited edition*	65%	2 years fixed	7.79%	Starting rate or BBR + 2.79% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	65%	2 years fixed	6.99%	Starting rate or BBR + 1.99% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	65%	5 years fixed	7.69%	Starting rate or BBR + 2.69% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
Limited edition*	65%	5 years fixed	7.49%	Starting rate or BBR + 2.49% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	65%	5 years fixed	7.29%	Starting rate or BBR + 2.29% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	65%	5 years fixed	7.89%	Starting rate or BBR + 2.89% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	65%	5 years fixed	7.49%	Starting rate or BBR + 2.49% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 4%, 3%, 3%
	70%	2 years fixed	8.39%	Starting rate or BBR + 3.39% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	70%	2 years fixed	7.09%	Starting rate or BBR + 2.09% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	70%	5 years fixed	7.79%	Starting rate or BBR + 2.79% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	70%	5 years fixed	7.39%	Starting rate or BBR + 2.39% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	70%	5 years fixed	7.99%	Starting rate or BBR + 2.99% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	70%	5 years fixed	7.59%	Starting rate or BBR + 2.59% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 4%, 3%, 3%
	75%	2 years fixed	8.49%	Starting rate or BBR + 3.49% whichever is higher	£150,000	No max loan size	2%	5% 4%
Limited edition*	75%	2 years fixed	7.89%	Starting rate or BBR + 2.89% whichever is higher	£150,000	No max loan size	2%	5%, 4%
	75%	2 years fixed	7.19%	Starting rate or BBR + 2.19% whichever is higher	£150,000	No max loan size	5%	4%, 3%
	75%	5 years fixed	7.89%	Starting rate or BBR + 2.89% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
Limited edition*	75%	5 years fixed	7.59%	Starting rate or BBR + 2.59% whichever is higher	£150,000	No max loan size	2%	5%, 4%, 4%, 3%, 3%
	75%	5 years fixed	7.49%	Starting rate or BBR + 2.49% whichever is higher	£150,000	No max loan size	5%	5%, 4%, 3%, 1%, 1%
1% cashback	75%	5 years fixed	8.09%	Starting rate or BBR + 3.09% whichever is higher	£150,000	£1,000,000	2%	5%, 4%, 4%, 3%, 3%
1% cashback	75%	5 years fixed	7.69%	Starting rate or BBR + 2.69% whichever is higher	£150,000	£1,000,000	5%	5%, 4%, 4%, 3%, 3%

In all cases the Starting Rate at completion is the lowest rate payable regardless of future changes to the Bank of England Base Rate.

The loan

Repayment terms available?

Interest-only terms available?

Porting available?

Bank of England Base Rate (BBR)

5.00%

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Missed secured loan payments

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

No maximum

Ages

18-85 (end of term)

The fees and charges

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

Proceeding with an application

Follow one of the below to continue…

Having trouble placing a case?

Speak to your specialist finance account manager today.

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Current processing times

Commercial

Commercial
Semi-commercial
Buy to let and HMO
Holiday let
Bridging

AIP review

36 hours
Initial underwriting

2 working days
Formal offer review

2 working days
Additional correspondence and documents

2 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 12-09-2024

AIP review

36 hours
Initial underwriting

2 working days
Formal offer review

2 working days
Additional correspondence and documents

2 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 12-09-2024

AIP review

36 hours
Initial underwriting

2 working days
Formal offer review

2 working days
Additional correspondence and documents

2 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 12-09-2024

AIP review

36 hours
Initial underwriting

2 working days
Formal offer review

2 working days
Additional correspondence and documents

2 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 12-09-2024

AIP review

36 hours
Initial underwriting

2 working days
Formal offer review

2 working days
Additional correspondence and documents

2 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 12-09-2024

AIP review

4 hours
Initial underwriting

24 hours
Formal offer review

24 hours
Additional correspondence and documents

24 hours

Submissions after 4pm will be considered as submitted the following working day.

Last updated 12-09-2024

Current processing times

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Davey Gurm

Specialist Finance Account Manager

I joined the team as a specialist finance account manager in 2021 after holding similar roles at a number of other financial services companies. I enjoy interacting with brokers and am dedicated to supporting our ongoing commitment to strengthen relationships with all of our intermediary partners.

Matt Yates

Specialist Finance Account Manager

I joined the sales team in 2017 and have more than 15 years of experience working within the mortgage industry. I enjoy supporting you and your clients with their commercial and semi-commercial lending requirements, as well as complex buy to let and holiday let enquiries.

Matt.yates@osb.co.uk

Kevin Beale

Specialist Finance Account Manager

I joined the company more than seven years ago, initially as national sales manager, then as new build distribution manager, before moving over to my current role. I love working closely with my broker partners and helping them to access products that their clients might struggle to get on the high street.

Matt Yates

Specialist Finance Account Manager

Matt.yates@osb.co.uk

'CM','CO','IP','NR','SS'

Mohinder Parmar

Specialist Finance Account Manager

I joined the group in 2022 after more than 20 years of experience working in banking, first as a private banker then as a relationship manager looking after my broker partners. The thing I love especially about specialist lending is that every case I receive is different with its own set of challenges, so when I’m able to finally get it over the line it gives me a real sense of achievement. I’m really looking to helping you with your complex cases and showing off our exciting proposition.

Matt Yates

Specialist Finance Account Manager

Matt.yates@osb.co.uk

'BA','BH','BS','CF','DT','NP','PO','SA','SO','SP','TA'

Charlotte Parker

Specialist Finance Account Manager

I’ve been supporting brokers in South West ever since joining the company in April 2019. With nearly 20 years of experience working in financial services, I’ve developed a detailed knowledge of the mortgage market which means I’m perfectly placed to help you with your cases. Whatever support you need, I’m here to provide solutions to complex cases, and diffuse and resolve any issues that may arise during the processing of an application.

Ross Williams

Specialist Finance Account Manager

I joined the company in 2022 and bring more than 15 years of experience working in various finance roles to the position. I enjoy getting out and about, meeting with brokers face-to-face and looking at cases from all angles. My aim is to be your go-to BDM and the first name that springs to mind when you need help with placing a case.

ross.williams@osb.co.uk

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Charlotte Parker

Specialist Finance Account Manager

Peter Coombes

Specialist Finance Account Manager

I’ve been working as a business development manager for the company since 2019. With a detailed knowledge of the market after previous roles as a broker and mortgage advisor, I understand the challenges you and your clients face, and am ready to assist you with your cases. There’s nothing I enjoy more than getting out-and-about to meet brokers and showing you how we can help with our specialist solutions.

pete.coombes@osb.co.uk

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