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Lenders’ maximum loan-to-values in each sector (see commercial mortgage data pages for loan-to-values less than 70%) Bank of Scotland


COMMERCIAL INDUSTRIAL


Barclays Bank HSBC


Julian Hodge Bank


80% 75% 75%


Norwich & Peterborough BS 75% Allied Irish Bank (GB)


Aviva Commercial Finance Bank of Scotland Clydesdale Bank Lloyds TSB


70% 70% 70% 70% 70%


NatWest 70% Northern Bank (NI) Principality BS


Royal Bank of Scotland


70% 70% 70%


Santander Business Banking 70% Santander Corporate Banking Shawbrook Bank Vernon BS


Yorkshire Bank


70% 70% 70% 70%


COMMERCIAL INVESTMENT PROPERTY


HSBC Julian Hodge Bank


75% 75%


Norwich & Peterborough BS 75% Shawbrook Bank Vernon BS


Allied Irish Bank (GB)


Aviva Commercial Finance Bank of China (UK) Barclays Bank Clydesdale Bank FAF


National Counties BS NatWest


Northern Bank (NI) Principality BS


Royal Bank of Scotland


75% 75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%


Santander Business Banking 70% Santander Corporate Banking Yorkshire Bank


70% 70%


COMMERCIAL PROPERTY DEVELOPMENT


Julian Hodge Bank Allied Irish Bank (GB) Clydesdale Bank Northern Bank (NI) Principality BS


Santander Corporate Banking Triodos Bank * Yorkshire Bank


FARMS


Barclays Bank HSBC


80% 75%


75% 70% 70% 70% 70% 70% 70% 70%


Clydesdale Bank Ecology BS * FAF


Lloyds TSB NatWest


Northern Bank (NI) Royal Bank of Scotland


70% 70%


70% 70% 70% 70% 70% 70%


Santander Business Banking 70% Triodos Bank * Yorkshire Bank


70% 70%


FRANCHISES


Barclays Bank HSBC


Allied Irish Bank (GB) Bank of China (UK) Bank of Scotland Clydesdale Bank Lloyds TSB NatWest


Northern Bank (NI) Royal Bank of Scotland


Santander Corporate Banking Triodos Bank * Vernon BS


Yorkshire Bank


80% 75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%


GARAGE SHOWROOMS Julian Hodge Bank 75%


Norwich & Peterborough BS 75% Shawbrook Bank Bank of Scotland Barclays Bank Clydesdale Bank Lloyds TSB NatWest


Northern Bank (NI) Royal Bank of Scotland


75% 70% 70% 70% 70% 70% 70% 70%


Santander Business Banking 70% Santander Corporate Banking Yorkshire Bank


70% 70%


HOTELS


Allied Irish Bank (GB) Julian Hodge Bank


80% 75%


Norwich & Peterborough BS 75% Shawbrook Bank


Aviva Commercial Finance Bank of Scotland Clydesdale Bank Ecology BS * FAF


Lloyds TSB NatWest


Northern Bank (NI) Royal Bank of Scotland


75% 70% 70% 70% 70% 70% 70% 70% 70%


70%


Santander Business Banking 70% Santander Corporate Banking Triodos Bank * Yorkshire Bank


Allied Irish Bank (GB) Julian Hodge Bank


80% 75%


Norwich & Peterborough BS 75% Santander Business Banking 75% Aviva Commercial Finance Bank of Cyprus UK Bank of Scotland Barclays Bank Clydesdale Bank Lloyds TSB NatWest


Northern Bank (NI) Royal Bank of Scotland


Santander Corporate Banking Triodos Bank * Yorkshire Bank


OFFICES


Barclays Bank HSBC


Julian Hodge Bank


80% 75% 75%


Norwich & Peterborough BS 75% Shawbrook Bank Vernon BS


Allied Irish Bank (GB)


Aviva Commercial Finance Bank of Scotland Clydesdale Bank Ecology BS * FAF


Julian Hodge Bank Lloyds TSB NatWest


Principality BS Royal Bank of Scotland


75% 75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%


Santander Business Banking 70% Santander Corporate Banking Triodos Bank * Yorkshire Bank


70% 70% 70%


PETROL STATIONS


Julian Hodge Bank Bank of Cyprus UK Bank of Scotland


Clydesdale Bank Lloyds TSB


Northern Bank (NI)


75% 70% 70%


70% 70% 70%


Santander Business Banking 70% Santander Corporate Banking


Yorkshire Bank


70% 70%


70% 70% 70%


NURSING & CARE HOMES


Bank of Scotland Lloyds TSB


Barclays Bank


PROFESSIONAL PRACTICES


100% 100% 80%


Santander Business Banking 80% HSBC


Julian Hodge Bank


70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%


75% 75%


Norwich & Peterborough BS 75% Shawbrook Bank Vernon BS


Bank of Cyprus UK Clydesdale Bank Ecology BS *


75% 75% 70% 70% 70%


NatWest 70% Northern Bank (NI) Principality BS


Royal Bank of Scotland


Santander Corporate Banking Triodos Bank * Yorkshire Bank


PUBLIC HOUSES


Julian Hodge Bank Allied Irish Bank (GB) Bank of Cyprus UK Clydesdale Bank Northern Bank (NI)


75% 70% 70% 70% 70%


Norwich & Peterborough BS 70% Yorkshire Bank


70%


RESIDENTIAL INVESTMENT PROPERTY


HSBC Julian Hodge Bank


75% 75%


Norwich & Peterborough BS 75% Shawbrook Bank Vernon BS


Allied Irish Bank (GB) Bank of China (UK) Bank of Cyprus UK Bank of Scotland Barclays Bank Clydesdale Bank Cumberland BS Ecology BS * FAF


Lloyds TSB NatWest


Principality BS Royal Bank of Scotland


Santander Corporate Banking United National Bank Ltd


Yorkshire Bank


75% 75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%


70% 70%


70% 70% 70% 70% 70% 70%


RESIDENTIAL PROPERTY DEVELOPMENT


Julian Hodge Bank Allied Irish Bank (GB) Clydesdale Bank Ecology BS *


Northern Bank (NI) Principality BS Triodos Bank * Yorkshire Bank


RETAIL HSBC Julian Hodge Bank


75% 75%


Norwich & Peterborough BS 75% Shawbrook Bank


Allied Irish Bank (GB)


Aviva Commercial Finance Bank of China (UK) Bank of Cyprus UK Bank of Scotland Clydesdale Bank Ecology BS * FAF


Lloyds TSB NatWest


Principality BS Royal Bank of Scotland


75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%


Santander Business Banking 70% Santander Corporate Banking Triodos Bank *


United National Bank Ltd Vernon BS


Yorkshire Bank


70% 70% 70% 70% 70%


SCHOOLS & NURSERIES


Allied Irish Bank (GB) Barclays Bank HSBC


Julian Hodge Bank


80% 80% 75% 75%


Norwich & Peterborough BS 75% Santander Business Banking 75% Shawbrook Bank Bank of Scotland Clydesdale Bank Ecology BS * Lloyds TSB NatWest


Northern Bank (NI) Royal Bank of Scotland


Santander Corporate Banking Triodos Bank * Vernon BS


Yorkshire Bank


75% 70% 70% 70% 70% 70% 70% 70%


75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%


Commercial Industrial includes light industrial units, warehouses and workshops. Garage Showrooms includes servicing & repair workshops and petrol sales. Care Homes includes rest and/or residential homes for the elderly (but no in-house medical attention provided). Nursing Homes includes convalescent homes and homes for all ages where medical attention (however limited) is provided. Professional Practices includes accountants, architects, dentists, doctors, solicitors and veterinary surgeons including their consulting rooms and offices. or social benefits.


*= Projects must demonstrate environmental


February 2012 


READERS ARE REMINDED THAT BUSINESS MONEYFACTS IS COPYRIGHT       


COMMERCIAL MORTGAGE BULLETIN


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