Redwood Bank: products, terms and eligibility

Redwood Bank is a UK provider of commercial mortgages and bank lending. The legal entity named on its site is Redwood Bank Limited, company number 09872265. It is based in Letchworth Garden City. Companies House shows the company was incorporated 2015.

Redwood Bank Limited was incorporated in 2015 (company number 09872265) and is based at The Nexus Building, Broadway, Letchworth Garden City, Hertfordshire. It describes itself as a specialist business bank offering commercial mortgages for property investors and business owners, plus business and charity savings accounts. Its site says it is authorised by the PRA and regulated by the FCA and PRA, and that deposits are covered by the FSCS up to its stated limit.

In its own words on scale:

• Says it has lent over £850 million since 2017 (figure on its site in October 2026).
• Says it made £91 million of new lending in 2025 (figure on its site in October 2026).

Everything on this page comes from what Redwood Bank publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Redwood Bank publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Commercial mortgages (owner occupier and professional landlords): Capital and interest or interest only; 2, 3 and 5 year fixed rates, or variable.
• Semi-commercial and residential investment (buy-to-let, HMOs): Capital and interest or interest only (up to 30 years); fixed or variable.
• Residential buy-to-let bridging loans: Rolled-up interest for residential and semi-commercial (residential weighted) property.

Redwood Bank says its finance is used for:

• Buying commercial property for an owner-occupied business
• Refinancing commercial property
• Buy-to-let and HMO investment
• Bridging a purchase or light refurbishment
• Serviced accommodation property

Sectors and business types it says it funds:

• Owner-occupier SMEs
• Professional landlords
• Semi-commercial and mixed-use property
• HMOs
• Retail, offices, warehouses, manufacturing and distribution property

What it says it does not fund:

• Property outside England, Scotland and Wales

Redwood Bank publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• UK-based entities: limited companies, sole traders, partnerships, LLPs, SIPP and SSAS schemes, trusts and individuals.
• Commercial owner-occupiers: at least the most recent three years of trading performance and accounts assessed.
• Professional landlords: evidence of being an experienced property investor.
• Security on property in England, Scotland or Wales.
• Maximum age at end of term: 75 (owner occupier) or 85 (professional landlord).

Redwood Bank describes its process like this:

1. Provide details of the transaction and property.
2. Provide business and personal financial information.
3. Redwood verifies the business and key individuals through electronic databases.
4. Supply identity documents by post if electronic checks fail.
5. The bank assesses the application, and the site recommends working with a commercial mortgage broker.

Information it says it asks for:

• Lending application form
• Assets, liabilities, income and expenditure form
• At least three years of trading accounts for business owners
• Business strategy and cash flow information
• Portfolio schedule
• Identity verification for partners, directors, members and beneficial owners

Every application is subject to status and the lender’s own criteria at the time.

A commercial mortgage is a long-term loan secured on business premises or investment property. Lenders look at the property’s value, the deposit, and whether the business’s profits or the rent comfortably cover the repayments.

Banks often lend across several products, from overdrafts to asset finance, and some can offer facilities under government schemes. See government-backed business loans for how those work.

Points Redwood Bank publishes that are worth knowing:

• Secured on property; the property may be repossessed if repayments are not maintained.
• Asks for a personal guarantee from the ultimate director or directors (maximum 25%) on its intermediary page, unless a corporate guarantee or other structure suits better.
• Its preference is for customers to work with a commercial mortgage broker.
• Each case is individually assessed with manual underwriting.
• Option to choose a higher arrangement fee in exchange for a lower fixed rate.

Security and guarantees

Lending is secured on the property, and the site warns it may be repossessed if repayments are not maintained. Borrower age limits apply at the end of the term (75 for owner-occupiers, 85 for professional landlords).

Redwood Bank’s site states: “Redwood Bank Limited. Registered in England and Wales under company registration no. 09872265 at Suite 101, The Nexus Building, Broadway, Letchworth Garden City, Hertfordshire, SG6 3TA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of commercial mortgages and bank lending with profiles here include Santander UK, TSB and YBS Commercial Mortgages. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.