Received AIP on commercial loan - how will it affect credit rating to look elsewhere?

Jaxer

I'm looking to do a re-mortgage of a shop+flat with more than 50% LTV and solid rental income.

I've received an AIP through a broker from Natwest which doesn't seem too attractive to me. Although the rate is probably in the right ballpark (at base+4.5%), the offer is conditional on me transferring my personal and business banking to Natwest. This would be a real pain to me as I don't have a Natwest branch near to me. In any case, I don't understand why my business account is of any relevance to the loan anyway (although I work through my own limited company, it has no connection to the rental property which is held in my personal name).

The broker just says this is the norm now where the banks want to lock you in for all banking needs from one product application.

Add in the broker+bank fees and the overall package doesn't offer me any significant advantage over my existing mortgage. I'm keen to see what else I can get in the market but my main concern is that, having received an AIP, how will it look on my credit file if I go through another broker, or direct to my existing lender? or would it be better to wait for another few months and re-apply afresh?

I'd be happy to hear from any commercial brokers who may be able to help/advise.