Allica Bank has announced its “most significant pricing change yet”, cutting commercial mortgage and bridging finance rates by as much as 1.3% in a move designed to win business from high street lenders and boost support for established SMEs.
The changes were unveiled live to more than 500 broker partners, with Nick Baker, Allica’s Chief Commercial Officer, saying the bank is going “head-to-head with the market” and running towards SMEs at a time when many lenders are pulling back. “We’ve cut commercial mortgage and bridging rates across the board… and simplified our whole property-backed range,” he said, adding that brokers and business owners “deserve the very best banking without the friction and faff.”
The rate reductions apply across owner-occupied and commercial investment mortgages, with additional price cuts for bridging, semi-commercial and specialist sectors such as healthcare. Allica is also offering enhanced discounts for clients who choose to bank with the lender, plus cashback incentives on eligible owner-occupied deals.
Allica Bank Commercial Mortgages
SME business finance bank, Allica’s commercial mortgages are aimed at established SMEs looking to buy or refinance business premises or investment property, with loans available up to £10 million and dedicated relationship manager support.
Allica Bank’s commercial mortgage range includes both owner-occupied and investment options, with loans starting from £150,000 up to a maximum of £10 million. For owner-occupied deals, borrowers can access up to 80% loan-to-value over terms of 5 to 30 years, with a 1.5% arrangement fee.
Allica is also running a limited-time offer: applications made between 26 November 2025 and 31 March 2026 won’t pay a commitment fee, and loans completing by 30 June 2026 will receive 0.5% cashback on the loan amount (excluding fees).
Commercial investment mortgages start from the same minimum, go up to £10 million, with a maximum 75% LTV, a 5-year term, and a 2.0% arrangement fee.
Allica Bank Bridging Finance
The bank’s bridging finance proposition provides fast, flexible short-term property funding for auction purchases, refinancing, refurbishment or development exits, also up to £10 million, with quick credit turnaround.
Allica Bank’s bridging finance products provide short-term property funding from £150,000 up to £10 million (and potentially higher on a case-by-case basis), offering landlords, developers and property professionals flexible options for quick acquisitions or refinancing. Residential bridging loans are available up to 75% LTV, with rates from 0.71% per month, a fast-track process for lower-risk cases, and no personal guarantees required up to 65% LTV.
For commercial and semi-commercial properties, Allica can lend up to 70% LTV for uses such as EPC improvement works, rental stabilisation or owner-occupier needs, with terms up to 24 months.
Allica Bank also offers specialist solutions such as bridge-to-term lending, helping borrowers transition smoothly into longer-term facilities—and refurbishment bridging, which can fund up to 100% of works alongside high LTV limits for major renovation projects.
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