Commercial Mortgages

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Both New & Experienced
We will provide you with ready access to over 50 major commercial mortgage lenders very active in the market who will look to provide a commercial mortgage at competitive rates up to 30-year terms. We can provide both capital and interest repayment schemes or ‘easy start’ interest-only options. If you are looking to purchase a commercial property for your own occupation, via a SIPP as a longer-term investment or perhaps you wish to purchase a trading business or re-mortgage an existing property then speak to the experts within our team.

Buy-to-Let Mortgages

To assess your best commercial mortgage option, we will need to understand more about your business and confirm the ability to repay the mortgage from business profits or other sources of income. In general terms, we can offer mortgages up to 75% of the freehold / long leasehold value of the property or business being purchased. We can also assist with a broad range of Buy-to-Let mortgage products on both fixed and variable interest rates. If you are currently occupying a commercial property as a sitting tenant and running a profitable business then we can offer special rates and generally a higher loan to value – please call us for details.
  • Buying a bargain property at ‘below market value’
  • Buying a property which is deemed ‘un-mortgageable’ and requires significant refurbishment.
  • Buying a property at auction and needing funds quickly to complete on the purchase
  • Raising cash to buy a business, purchase stock or perhaps buy out a business partner
  • Raising cash to pay a personal or business tax bill
  • Raising cash to stave off a repossession order
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Bespoke Commercial Finance & Strategic Funding Solutions

Unlock the capital your business needs to scale without the restrictions of traditional high-street banks. Nova Finance provides expert, whole-of-market access to over 200 lenders, securing flexible funding for property, equipment, and working capital even in complex or adverse credit situations. Our fully managed service handles the technical administration from application to drawdown, ensuring you receive the most competitive rates available in the current marketplace.

House in Multiple Occupation (HMO)

House in Multiple Occupation (HMO) is a property rented out by several people who are not from 1 “household” but share facilities such as the bathroom and kitchen. These are often on individual ASTs (assured shorthold tenancy). Dependant on whether the property is licenced or not will determine the lenders that can be approached to help fund your requirements.

Portfolio

We provide expert advice for the acquisition, re-structure and re-finance of complex property portfolio structures with many of our clients owning properties running into the hundreds of units. Whatever the size and make-up of your property portfolio we’ll provide unbiased, whole-of-market advice offered freely and without obligation. For a discussion on your portfolio funding requirements please call our team today.

Let-to-Buy

If you want to move house but you’re struggling to sell your home or maybe your property has dropped in value, let-to-buy is something you may want to consider. Letting out your property could allow you to move into a new home without feeling pressure to sell in a rush and potentially at a loss. Although some lenders will allow you to let out your home on a residential mortgage, it will only be on a temporary basis. So unless you are only going to be letting it out for a short time, it is likely you will need a BTL mortgage. This is where we come in, we will guide you through all the details and work out what is best for you and your home.

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