Commercial Mortgages in Nottingham
CoreFi is a commercial finance broker arranging commercial mortgages for Nottingham property, both owner-occupier purchases and investment loans, on offices, industrial units, retail premises and mixed-use buildings. We match your case to lenders whose criteria fit. Rates, loan-to-value figures and terms are indicative and depend on the property, the income and lender appetite.
A commercial mortgage is a longer-term loan secured against business property. There are two broad reasons Nottingham firms take one out: to buy the premises they trade from, an owner-occupier mortgage, or to buy a property to let out to a business tenant, an investment mortgage. The city's commercial stock is varied, from the office space around the city core, Castle Wharf and the growing Island Quarter and Southside regeneration zones, to industrial and warehouse units at Colwick, Blenheim, Bulwell and along the M1 corridor, to retail on the high streets and around the intu Victoria and Broadmarsh areas, and mixed-use conversions of the city's older lace and hosiery buildings.
CoreFi is a commercial finance broker. We work with businesses, principally limited companies, to understand the property, the purpose and the income behind the deal, then match it to lenders whose criteria fit. We do not lend ourselves and we do not decide the outcome. Whether finance is offered, and on what terms, depends on the property, your business or the rental income, and each lender's appetite at the time. Any rate, loan-to-value figure or term mentioned on this page is indicative and for illustration only.
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Tell us about the property and the purpose
Let us know what you are buying or refinancing, whether it is for your own business to occupy or as an investment to let, the location and roughly how much you need. It costs nothing to start.
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We match you to commercial mortgage lenders
We assess your case against our whole-of-market panel and identify the lenders whose criteria fit the property type, the loan-to-value and the income behind the deal, then package it so it is presented properly the first time.
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Review terms and complete
Interested lenders come back with indicative terms. Any rate, loan-to-value or structure is illustrative until formally offered. You decide, and we help drive the case through valuation and legals to completion.
Owner-occupier and investment mortgages in Nottingham
The distinction matters because lenders underwrite them differently. On an owner-occupier mortgage, where you buy the premises your own business trades from, a manufacturer buying its unit at Colwick, a professional firm buying office space in the city centre, a retailer buying its shop, the lender looks primarily at your trading business and its ability to service the loan. On an investment mortgage, where you buy a property to let to a business tenant, the lender looks primarily at the rental income, the quality and length of the lease and the strength of the tenant. Nottingham's mixed commercial base means both are common: alongside the offices, industrial and retail, there is steady demand for mixed-use buildings where a ground-floor unit sits under offices or flats, and lenders vary in how comfortable they are with that mix.
What lenders look at, and how the loan is sized
Commercial mortgage lenders size a facility against the value of the property, expressed as a loan-to-value percentage, and against the income available to service it. On an owner-occupier deal that means your trading accounts and cash flow; on an investment deal it means the rent, tested against the payments through a debt service cover calculation. Property type and location matter too. Standard, lettable stock in a good Nottingham location, well-located offices, modern industrial, sound retail, tends to attract the widest appetite and the keenest terms; more specialist buildings, or older conversions with quirks, need a lender comfortable with that category. Terms typically run over a number of years with the loan amortising or on interest-only depending on the deal. Because pricing depends on all of this, we avoid quoting fixed figures up front.
Why use a broker for a Nottingham commercial mortgage
The commercial mortgage market runs across high-street banks, challenger banks and specialist lenders, and their appetite varies sharply by property type, location, borrower structure and how the income is derived. Approaching them one at a time is slow, and a decline for a reason you could not have known in advance can leave a good deal looking shopped-around. We hold that criteria detail across a whole-of-market panel, so we can steer an owner-occupier purchase of a Blenheim unit or an investment loan on a city-centre office toward the lenders most likely to fund it well, and package the case, the property, the accounts or the lease, and the income, so it is assessed properly the first time. We cannot promise a rate, a loan-to-value or an approval, because those sit with the lender and depend on your case.
Frequently asked questions
What is the difference between an owner-occupier and an investment commercial mortgage?
An owner-occupier mortgage funds premises your own business trades from, and the lender focuses on your trading accounts. An investment mortgage funds a property you let to a business tenant, and the lender focuses on the rental income and the lease. We match your case to lenders comfortable with whichever applies.
What kinds of Nottingham property can a commercial mortgage cover?
Offices around the city core and regeneration zones, industrial and warehouse units at Colwick, Blenheim, Bulwell and along the M1 corridor, retail premises, and mixed-use buildings including converted lace and hosiery stock. The lender confirms whether they fund your specific property type and location.
How much can I borrow against a commercial property?
Lenders size a loan against the property value, as a loan-to-value percentage, and against the income available to service it. The figure depends on the property, the income and the lender, so any percentage is indicative until a lender assesses your case and issues terms.
Do you lend the money yourselves?
No. We are a commercial finance broker, not a lender. Whether a commercial mortgage is offered, and on what terms, depends on the property, the income and each lender's appetite. We package and present your case, but the decision and the pricing sit with the lender.
What will it cost me?
It costs nothing to start the conversation. On many commercial deals the lender pays a commission to the broker, and where a fee applies we tell you before you commit. We are transparent about how we are paid on your deal.
Get matched with lenders for your Nottingham 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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