Lenders’ maximum loan-to-values in each sector (see commercial mortgage data pages for loan-to-values less than 70%) Clydesdale Bank Ecology BS * Lloyds TSB NatWest
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
Santander Business Banking 70% Santander Corporate Banking Shawbrook Bank Vernon BS
Yorkshire Bank
70% 70% 70%
70% 70% 70% 70%
COMMERCIAL INVESTMENT PROPERTY
Julian Hodge Bank 75%
Norwich & Peterborough BS 75% Shawbrook Bank
Allied Irish Bank (GB)
Aviva Commercial Finance Bank of China (UK) Barclays Bank Clydesdale Bank
National Counties BS NatWest
Northern Bank (NI) Principality BS
Royal Bank of Scotland
75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%
Santander Business Banking 70% Santander Corporate Banking Vernon BS
Yorkshire Bank
COMMERCIAL PROPERTY DEVELOPMENT
Julian Hodge Bank Clydesdale Bank Northern Bank (NI) Principality BS
Santander Corporate Banking Triodos Bank * Yorkshire Bank
FARMS
Barclays Bank HSBC
Bank of Scotland
80% 75% 70%
75% 70% 70% 70% 70% 70% 70%
70% 70% 70%
Northern Bank (NI) Royal Bank of Scotland
70% 70% 70% 70% 70% 70%
Santander Business Banking 70% Triodos Bank * Yorkshire Bank
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
HOTELS Julian Hodge Bank 75%
Norwich & Peterborough BS 75% Shawbrook Bank
Allied Irish Bank (GB)
Aviva Commercial Finance Bank of Scotland Clydesdale Bank Ecology BS * Lloyds TSB NatWest
Northern Bank (NI) Royal Bank of Scotland
75% 70% 70% 70% 70% 70% 70% 70% 70%
70%
70% 70%
70% 70%
Santander Business Banking 70% Santander Corporate Banking Triodos Bank * Yorkshire Bank
Julian Hodge Bank 75%
Norwich & Peterborough BS 75% Santander Business Banking 75% Allied Irish Bank (GB)
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
Allied Irish Bank (GB)
Aviva Commercial Finance Bank of Scotland Clydesdale Bank Ecology BS *
Julian Hodge Bank Lloyds TSB NatWest
Principality BS Royal Bank of Scotland
75% 70% 70% 70% 70% 70% 70% 70% 70% 70% 70%
Santander Business Banking 70% Santander Corporate Banking Triodos Bank * Vernon BS
Yorkshire Bank 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% 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% 70%
75% 75%
Norwich & Peterborough BS 75% Shawbrook Bank Bank of Cyprus UK Clydesdale Bank Ecology BS *
75% 70% 70% 70%
NatWest 70% Northern Bank (NI) Principality BS
Royal Bank of Scotland
Santander Corporate Banking Triodos Bank * Vernon BS
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
Julian Hodge Bank 75%
Norwich & Peterborough BS 75% Shawbrook Bank Bank of China (UK) Bank of Cyprus UK Bank of Scotland Barclays Bank Clydesdale Bank Cumberland BS Ecology BS * HSBC
Lloyds TSB NatWest
Principality BS Royal Bank of Scotland
Santander Corporate Banking United National Bank Ltd
Vernon BS Yorkshire Bank
75% 70% 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 * Lloyds TSB NatWest
Principality BS Royal Bank of Scotland
75% 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
Barclays Bank HSBC
Julian Hodge Bank
80% 75% 75%
Norwich & Peterborough BS 75% Santander Business Banking 75% Shawbrook Bank
Allied Irish Bank (GB) 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% 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
March 2012
READERS ARE REMINDED THAT BUSINESS MONEYFACTS IS COPYRIGHT
37
COMMERCIAL MORTGAGE BULLETIN
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