Hello huwsiw
More recently I have found the banks to be very 'case by case' and depends a lot on the level of turnover you bring through the banking. Of course if they are also looking at any secured lending too they look more favourably.
The most recent one I got in place for a client was 2.5% above base but this was based on a £75k overdraft and they were matching the rate we had obtained on the commercial mortgage.
Not really any answers for you there as such im afraid but you are best speaking to the banks that are 'truly' lending at the moment;
Lloyds
Santander
Natwest/RBS
Handelsbanken.
Hope that has been of some help.
Kind Regards
Adam Atkin
Nurture Finance
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