Learn about owner-occupied and investment commercial mortgages serving Nottingham and East Midlands businesses. Matching begins after you apply; a soft credit check may be used for matching.
Rates
From 4.5% p.a.
Owner-occupied or investment
Amounts
£100k - £10M+
Speed
6-12 weeks
Nottingham
25k
businesses
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
A commercial mortgage is a long-term loan secured against commercial property, offices, shops, warehouses, pubs, hotels, industrial units, or mixed-use buildings. Terms are typically 5-25 years with rates from 4.5% per annum.
You apply with details of the property, your business, and the purpose (purchase, refinance, or development). The lender values the property, assesses your business, and if approved, releases funds through your solicitor. The process typically takes 6-12 weeks from application to completion.
Your business operates from the property. Up to 80% LTV. Rates from 4.5%. Business income supports the mortgage.
Buying to let to tenants. Up to 75% LTV. Rates from 5.0%. Rental income must cover 125%+ of mortgage payments.
Replace an existing mortgage with a better rate or release equity. Up to 70% LTV. Rates from 4.5%.
Borrow £500,000 at 5.5% over 20 years. Monthly repayment: ~£3,440. Total repayable: ~£825,600. Your rate depends on your circumstances.
Ready to compare commercial mortgages in Nottingham?
For UK limited companies with 3+ months’ trading and monthly revenue.
Local application guide
A lender assesses the property and the business separately. For owner-occupied premises, the application needs to show that trading cash flow can support the mortgage. For an investment property, the lender will focus more heavily on the lease, tenant strength, rent, and the property’s alternative use.
Prepare the purchase price or refinance balance, deposit and source of funds, property address and use, trading accounts, and any current or proposed lease. Flag specialist uses early because valuation, environmental, licensing, or planning checks can affect the lender panel and timetable.
Nottingham is the commercial hub of the East Midlands, with a major retail and distribution sector underpinned by the proximity to key national logistics corridors and headquarters of brands including Boots, the retail pharmacy giant. The city has a significant pharmaceutical and life sciences cluster, with Boots UK, Experian, and Capital One among the largest employers, and the University of Nottingham driving applied research in areas including drug discovery and medical technology. Nottingham's digital and creative sector is expanding, supported by regeneration of the Broadmarsh area and investment in the city's innovation ecosystem. With 25k registered businesses across East Midlands, Nottingham has strong demand for competitive commercial mortgages.
Funding availability depends on the business and finance required in the East Midlands area. Whether your Nottingham business needs offices and serviced offices or retail shops and high street premises, lenders assess each application individually.
Several specialist lenders on our panel work with Nottingham businesses that have imperfect credit histories. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender. Check your options when you apply.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Explore FundingFor UK limited companies with at least 3 months’ trading and monthly revenue.