Commercial mortgages Nottingham: buying and refinancing Nottingham premises
Commercial mortgages in Nottingham 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 Nottingham figures, funds and lender rules that shape a search, each linked to its source.
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- Enterprises (ONS 2026)
- 9,940
- Under 10 staff
- 86.1%
- Top sector: health and social care
- 18.8% of jobs
- Regional fund (BBB)
- MEIF II
- Property tax
- SDLT
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Where commercial mortgages fits the Nottingham economy
Which Nottingham firms are likely users of commercial mortgages? Start with hotels, restaurants and food service (6.6%), wholesale, retail and motor trades (13.1%) and health and social care (18.8%), which add up to 38.5% of employee jobs (2024). Great Britain: 35.7% (Nomis labour market profile: Nottingham).
| Sector | Nottingham share | Nottingham jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 6.6% | about 14,100 | 7.8% | 0.85 |
| Wholesale, retail and motor trades | 13.1% | about 27,900 | 13.7% | 0.96 |
| Health and social care | 18.8% | about 40,000 | 14.2% | 1.32 |
The ratio is highest for health and social care, at 1.32. Care homes and clinics are specialist property, valued on how they trade; see care home finance.
Against its nearest neighbours in our data, those sectors are 38.5% of Nottingham jobs, compared with 37.9% in Sheffield and 36.5% in Birmingham.
Stamp Duty and costs on a Nottingham purchase
Say a Nottingham business agrees £425,000 for its premises. The Stamp Duty Land Tax bill builds up band by band:
| Slice of the price | Rate | Tax |
|---|---|---|
| First £150,000 | 0% | £0 |
| £150,001 to £250,000 | 2% | £2,000 |
| £250,001 to £425,000 | 5% | £8,750 |
| Total | £10,750 |
Budget £10,750 on top of the deposit and the legal and valuation fees.
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Commercial mortgages near Nottingham
Straight-line distances from Nottingham:
- Commercial mortgages Sheffield (30 miles)
- Commercial mortgages Birmingham (45 miles)
- Commercial mortgages Manchester (60 miles)
- Commercial mortgages Leeds (60 miles)
Lenders on our panel that cover Nottingham
No commercial mortgage provider in our panel data (10 in all) excludes NG postcodes, so a Nottingham business is compared against all of them.
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If you are moving or expanding, D2N2 Growth Hub can point you to free advice and any local programmes for Nottingham 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 an NG postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude NG. Providers look at the building, its valuation and the trading business that will repay.
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“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!”
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“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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