[FULL HUMAN VERIFICATION REQUIRED BEFORE PUBLICATION]
All product-specific data in this comparison â loan ranges, LTV limits, rates, eligibility criteria, DSCR requirements, and fees â must be verified against NatWest’s current materials at business.natwest.com and Lloyds’ current materials at lloydsbank.com/business, and from the FCA Register, before publication.
NatWest and Lloyds are both major UK high street banks with commercial mortgage offerings for business customers. Like all high street bank commercial lending, the experience and outcome are heavily shaped by the borrower’s existing relationship with the bank, the relationship manager involved, and local credit appetite â which can vary between branches and regions.
At a Glance
| NatWest | Lloyds | |
|---|---|---|
| Legal entity | NatWest plc [VERIFY] | Lloyds Bank plc [VERIFY] |
| Loan range | [VERIFY] | [VERIFY] |
| Maximum LTV | [VERIFY] | [VERIFY] |
| Minimum DSCR | [VERIFY] | [VERIFY] |
| Owner-occupier | [VERIFY] | [VERIFY] |
| Commercial investment | [VERIFY] | [VERIFY] |
| Minimum trading history | [VERIFY] | [VERIFY] |
| Existing account required | [VERIFY] | [VERIFY] |
| Rate type | [VERIFY] | [VERIFY] |
| Arrangement fee | [VERIFY] | [VERIFY] |
| Group brands | NatWest Group / RBS [VERIFY] | Lloyds Banking Group / Bank of Scotland [VERIFY] |
| FCA/PRA authorised | [VERIFY on FCA Register] | [VERIFY on FCA Register] |
Group Context
NatWest: part of NatWest Group, which also includes Royal Bank of Scotland (RBS) and Ulster Bank. Businesses banking with RBS may access equivalent commercial lending under that brand. [VERIFY â confirm current group structure and product availability across brands]
Lloyds: part of Lloyds Banking Group, which includes Halifax and Bank of Scotland. Businesses banking with Bank of Scotland in Scotland may access comparable commercial mortgages under that brand. [VERIFY]
Where NatWest Tends to Fit
[To be completed after verification â describe borrower and property profiles where NatWest is the stronger option based on their published criteria]
Where Lloyds Tends to Fit
[To be completed after verification â describe borrower and property profiles where Lloyds is the stronger option]
Key Differences
[To be completed after verification â where product terms, criteria, or regional appetite diverge meaningfully]
When to Look Beyond Both
Both banks suit established businesses with conventional commercial property and a pre-existing relationship. For cases outside those parameters â unusual property, adverse credit, speed requirements, or no existing relationship â specialist lenders (Allica, Shawbrook, Together) are worth approaching in parallel.
Related Pages
- Best Commercial Mortgage Lenders UK
- Commercial Mortgage Rates
- Barclays vs HSBC Commercial Mortgages
- High Street vs Specialist Commercial Mortgages
- Owner-Occupier Commercial Mortgages
- Commercial Investment Mortgages