Commercial Mortgages in Leicester
CoreFi is a commercial finance broker arranging commercial mortgages for Leicester limited companies, covering owner-occupied and investment property such as offices, industrial units, shops and mixed-use buildings. We match your case to a whole-of-market panel. We do not lend. Loan-to-value, rate and term are indicative until a lender assesses the property and business.
CoreFi is a commercial finance broker working with Leicester limited companies, not a lender. A commercial mortgage funds the purchase or refinance of business property over a longer term than short-term facilities. Whether you are an owner-occupier buying the workshop you trade from off Frog Island, a landlord acquiring a shop on the Golden Mile, or a distributor refinancing a warehouse near Meridian, we shape the case around your property and trading position and take it to lenders on your behalf.
Leicester's commercial property is genuinely mixed, and lenders read each type differently. City-centre and Cultural Quarter offices, industrial and trade-counter units around Braunstone and Enderby, retail on Narborough Road, Belgrave Road and around Highcross, and mixed-use buildings in the older LE1 core all sit on different underwriting. We work across a whole-of-market panel rather than a single bank, and every figure on this page is illustrative; actual terms always depend on the property, the business and individual lender appetite.
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Tell us about the property and your business
Share the Leicester property you want to buy or refinance, whether it is owner-occupied or investment, and a short picture of your trading. This lets us gauge which lenders are likely to consider the case.
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We match you to suitable lenders
CoreFi reviews your case against a whole-of-market panel and identifies lenders whose criteria and appetite fit your property and business, explaining indicative structures without promising any specific rate or outcome.
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You compare terms and proceed
Where a lender is interested, we help you understand the indicative terms and package the case for a decision. Any figures remain illustrative until a lender issues its own formal offer.
What a commercial mortgage covers
A commercial mortgage is secured lending against business property, typically over a longer term than bridging. Leicester businesses use it to buy the premises they already trade from, acquire a new site, or refinance an existing property loan onto better-suited terms, for example moving off a short-term facility after refurbishing an old hosiery building. Lenders generally look at the property itself, your trading history and whether the repayments are affordable. Loan-to-value, rate and term vary widely between lenders and cases; as an illustration only, owner-occupied commercial mortgages are often arranged around a majority of the property value, but the level available to your business depends entirely on the lender's assessment. Nothing here is a quote or an offer.
Owner-occupied versus investment property in Leicester
There are two broad routes. An owner-occupied commercial mortgage funds premises your business operates from, such as a light-industrial unit near Grove Park in Enderby, a food-production building at Beaumont Leys, or a garment or print workshop around Woodgate and Frog Island. An investment or commercial buy-to-let mortgage funds property you let to a tenant, for example retail units along Melton Road and Belgrave Road, office suites in the city centre and Cultural Quarter, or mixed-use blocks with flats above shops. Lenders assess these differently: owner-occupied cases lean on your business accounts and affordability, while investment cases lean more on the rental income and tenant strength. CoreFi helps you identify which route fits and which lenders are likely to consider it.
Leicester sectors and use cases
We see commercial mortgage enquiries across the city's core sectors. Textile, garment, print and finishing firms around Frog Island, Woodgate and St Margaret's buy or refinance their factory and workshop units. Food and drink manufacturers around Beaumont Leys and the northern industrial belt fund production premises. Logistics and distribution operators near Meridian Business Park, Grove Park and the M1 junction 21 and M69 corridors acquire warehousing. Wholesalers and retailers on the Golden Mile, Narborough Road and around Highcross and Fosse Park finance shop and trade premises. Professional and creative firms in the city centre and Cultural Quarter take on office and studio space. Whatever the sector, the case is built around the specific property and your accounts.
How CoreFi arranges your commercial mortgage
CoreFi is a commercial finance broker, not a lender. We arrange commercial finance for businesses, principally limited companies. We take a clear picture of the property, the purchase or refinance, and your trading position, then approach lenders across a whole-of-market panel whose criteria fit, rather than sending you to a single bank. Because we work across the market, we can compare structures, indicative terms and likely appetite before you commit. We cannot and do not guarantee approval or any particular rate; funding always depends on the business, the property and each lender's decision. Broking unregulated commercial finance to limited companies does not require FCA authorisation, and we are not authorised or regulated by the Financial Conduct Authority for this activity.
What lenders typically want to see
For an owner-occupied commercial mortgage on a Leicester property, lenders usually ask for recent business accounts, management figures, details of the property and its use, and evidence that repayments are affordable from trading. For an investment property, expect more focus on the lease, the tenant and the rental income, whether that is a Belgrave Road retail unit or a city-centre office let. Personal or director guarantees are common on smaller commercial mortgages, and deposit or equity requirements vary by lender and property type. Having accounts, bank statements and property details ready helps us present a clean case. None of these requirements is a promise of approval; they simply shape how a lender assesses the case.
Frequently asked questions
Do you only arrange commercial mortgages in Leicester city centre?
No. We arrange commercial mortgages for limited companies across the city and county, including Belgrave, Beaumont Leys, Braunstone, Enderby, Glenfield, Wigston, Oadby and the Meridian, M1 and M69 corridors, as well as the LE1 core and Cultural Quarter.
Is CoreFi FCA authorised?
No. CoreFi arranges commercial finance for limited companies. Broking unregulated commercial finance to limited companies does not require FCA authorisation, so we are not authorised or regulated by the Financial Conduct Authority for this activity and make no such claim.
Can you guarantee I will get a commercial mortgage?
No. Nobody can honestly guarantee commercial finance. Whether a mortgage is available, and on what terms, depends on the property, your business and each lender's own assessment. We match your case to lenders across a whole-of-market panel whose criteria fit and present it well.
What rate or loan-to-value can I expect?
We cannot quote a rate or loan-to-value in advance, and any figures we discuss are illustrative only. The level available depends on the property type, your trading position and the individual lender. A formal offer only comes from a lender.
Can I refinance a Leicester commercial property I already own?
Yes. Refinancing an existing commercial property, for example to move onto a different structure, release equity for the business, or exit a short-term bridging facility after a refurbishment, is a common reason Leicester businesses come to us. We assess which lenders are likely to consider it.
Do you handle both owner-occupied and investment property?
Yes. We arrange commercial mortgages for premises your business trades from and for investment or commercial buy-to-let property you let to tenants, such as Golden Mile retail or city-centre offices. Lenders assess these differently, and we help you identify which route and which lenders suit.
Get matched with lenders for your Leicester business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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