Business persons walking down street talking

Commercial intermediaries

Helping you to help your clients

Welcome to Handelsbanken

With commercial expertise and a personal approach, there's always a decision-maker waiting to discuss your case at one of over 120 of our branches. With a flexible approach we work together to meet your clients specific needs, whether that's building a business or a property portfolio.

Proud Patron Lender

Why Handelsbanken?

All cases are assessed individually
Underwriting not based on credit scoring
Long-term view for big picture thinking
Direct access to a decision-maker
Local, decision-making
We tailor lending to your clients’ requirements
Indicative term sheet provided within 48 hours of necessary information being with the appropriate branch
Work with any of our branches with only one broker agreement
We look at serviceability over LTV

Our products

Property finance

Residential buy-to-let portfolios
Commercial investor property portfolios
Bespoke asset portfolio
Housing associations
Landed / agricultural estates
Owner-occupied commercial mortgages

Five people in a meeting room - Handelsbanken.se

Corporate lending

Capital investment
Refinancing
Cashflow

Sustainable lending*

Sustainable loans
Discount for energy-efficient properties

*Lower rates for sustainable choices. Terms apply.

Finance that works for your client

A flexible approach like ours means that we can consider large and mixed use property portfolios, multiple income streams, unusual property types and capital expenditure.

Loan can be fully amortising or part amortising with a bullet
Interest only
Fixed or variable interest rates
Terms between 1 and 10 years
Loan repayments can be profiled in line with business needs
No maximum loan amount

Working with us

We're branch based so you'll work directly with the one local to you. You'll always be able to speak to a decision-maker about your case and you and your client will enjoy a truly bespoke service.

All we need to start a discussion is a summary of your case, three years' accounts and a property rental schedule, if applicable. We'll be able to tell you quickly whether or not we can help.

Find your local branch to get things moving.

Procuration fees

We pay a fee of 1% for loans up to £5m. For loans above this amount, your branch will agree a procuration fee on a case-by-case basis.

Where we can help

An approach like ours means we’re well placed to help in a range of situations. Take a look at some typical scenarios to see how we can support to deliver the right solution.

Business expansion

£9m loan needed for a hotel business to acquire a hotel company, to broaden their proposition and geographical spread
A well-managed, family-owned hotel group with a mix of 3 and 4 star hotels, under franchise agreements. Hotels are well located across a spread of locations
The acquired hotel company would be part of wider cross- guaranteed structure with a strong cash flow, good LTV, and strong cash reserves

Investing in education

Private prep and senior school. Well established, strong inspection track record and significant local and regional reputation. Strong level of cash reserves.
Facilities include amortising term loan and working capital
Covenants: EBITDA/Debt Service 200% (tested quarterly) and Min TNW (tested annually)
Strong management with clear plan to mitigate and respond to sector demands, including VAT on schools fees, increases in employer NI and loss of Business Rate Relief
Bank’s facilities secured by property owned by the school
Powers of resistance considered very strong – surplus residential properties surrounding the school, listed investments and parcel of potential development land
Generally considered that if there is consolidation in the sector and a flight to quality, this school would be a beneficiary

Funding asset purchases

£7.6m to a property investor
47% LTV over mix of retail assets (underpinned by supermarket on a long lease) and 10-year term, 5-year break, 18-year profile to tie in with lease of main tenant
12m interest only to allow flexibility for the initial rent-free period for some tenants to end

Client success stories

Wharf Financial

Building on a long-standing broker relationship, to navigate the challenges of delivering a sustainable finance product.

Funding Friends

Securing finance for a client returning to a more relationship-led approach to banking.