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2022 and Loans – What might be changing? 

According to public data by the Intermediary Mortgage Lenders Association (IMLA), and despite the economic effects of the pandemic on SME’s, the lending sector still saw a 14-year high of £285bn in funds lent. The outlook is broadly positive which is welcomed by all, but are the trends to look out for in 2022? 

Green loans are set to become more common, and even in late 2021 we already saw the likes of NatWest offering £100bn in “eco-friendly loans” (up to 2025) to small firms looking to capitalise on efforts to tackle climate change and offering incentives for sustainable borrowing. Currently, 1 in 10 SMEs see this a potential source for future business expansion. 

Due to the recent rise in inflation and the higher base interest rates announced by the Bank of England, there has been an increase in re-mortgaging to reduce long term costs, and second charge mortgages to access increased equity.   

What could both of these things mean in the long term? The immediate movements resulting from changes to interest rates are likely to have now settled down, so we don’t expect many more major changes there. With Green mortgages, we know that taking more responsibility for the environment is something that businesses avoid at their own peril, so we expect this to increase, but at a slow and steady rate. What do you think? 

It is recommended to discuss your financial options with qualified professionals to possibly work out a re-mortgage on your commercial loans, contact ASC today to assist further; we don’t work for the banks; we work for our clients. 


For further information please contact: 

ASC Finance for Business 

Johan Da Silva 

020 7616 6634 

Notes to editors: 

About ASC Finance for Business 

ASC was established over 50 years ago; we are independent business finance brokers. We have developed a successful track record helping businesses across the UK secure finance by removing the hurdles put in their paths. We have extensive knowledge of the financial products available from lenders and can approach them to help businesses find the right finance for their projects. 

Our local directors are highly experienced and have a strong commercial background which will help your business increase their chances in securing finance.  ASC enables businesses to have more free time to focus on and develop their business.