Commercial mortgages Derby: buying and refinancing Derby premises
Commercial mortgages in Derby fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. Below are the Derby figures, funds and lender rules that shape a search, each linked to its source.
“The whole process was very smooth and was completed within a few days.”
- Enterprises (ONS 2026)
- 7,565
- Under 10 staff
- 87.0%
- Top sector: health and social care
- 17.4% of jobs
- Regional fund (BBB)
- MEIF II
- Property tax
- SDLT
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Where commercial mortgages fit the Derby economy
Look at Derby through a commercial mortgages lens and these numbers matter: hotels, restaurants and food service (5.1%), wholesale, retail and motor trades (12.3%) and health and social care (17.4%), 34.8% of employee jobs (2024) combined. Great Britain: 35.7% (Nomis labour market profile: Derby).
| Sector | Derby share | Derby jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 5.1% | about 7,000 | 7.8% | 0.65 |
| Wholesale, retail and motor trades | 12.3% | about 17,000 | 13.7% | 0.90 |
| Health and social care | 17.4% | about 24,000 | 14.2% | 1.23 |
The ratio is highest for health and social care, at 1.23. Care homes and clinics are valued on their trade as well as their bricks (care home finance).
Against its nearest neighbours in our data, those sectors are 34.8% of Derby jobs, compared with 38.5% in Nottingham and 37.9% in Uttoxeter.
Stamp Duty and costs on a Derby purchase
As a worked example, here is the Stamp Duty Land Tax on a £380,000 commercial building in Derby:
| Slice of the price | Rate | Tax |
|---|---|---|
| First £150,000 | 0% | £0 |
| £150,001 to £250,000 | 2% | £2,000 |
| £250,001 to £380,000 | 5% | £6,500 |
| Total | £8,500 |
GOV.UK says the return and payment are due within 14 days of completion, so the £8,500 belongs in the cash plan from the start.
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Commercial mortgages near Derby
Straight-line distances from Derby:
- Commercial mortgages Nottingham (15 miles)
- Commercial mortgages Leicester (25 miles)
- Commercial mortgages Stafford (30 miles)
- Commercial mortgages Sheffield (30 miles)
Lenders on our panel that cover Derby
No commercial mortgage provider in our panel data (10 in all) excludes DE postcodes, so a Derby business is compared against all of them.
Free business support in Derby
If you are moving or expanding, D2N2 Growth Hub can point you to free advice and any local programmes for Derby businesses taking on premises.
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Sources
Every figure above comes from one of these, checked on 18 October 2026. Lender coverage is from the criteria held for each lender on our panel.
We are a credit broker, not a lender. Fees depend on the lender, and there is nothing to pay upfront. This page is general information, not financial advice. Lenders set their own criteria, rates and terms, and all finance is subject to status.
Common questions
Does a DE postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude DE. Providers look at the building, its valuation and the trading business that will repay.
What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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Our clients say
Trusted by UK businesses across every sector.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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