Review your project
Steven works through the purpose, figures and practical constraints, including anything that needs attention before an application.
MOVA / Commercial & property finance
Commercial property finance
Commercial mortgages, bridging, refurbishment and development finance. Talk through your property plans, compare the routes and prepare your next step with Steven.
Initial conversation at no cost No pressure to proceed
Steven Cooper · Founder
Your project. A personal conversation.
Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
01 Start with the project
02 Understand the costs and conditions
03 Plan how the finance is repaid
The MOVA panel
Commercial finance lenders & specialists
- Allica Bank
- Atom Bank
- HSBC Commercial
- InterBay
- Together
- Hampshire Trust Bank
- Aldermore Mortgages
- Redwood Bank
- Metro Bank
- United Trust Bank
- West One
- LendInvest
- Glenhawk
- MT Finance
- Affirmative
- Bridge Help
- Catalyst Property Finance
- Greenfield Mortgages
- Hope Capital
- Octane
- Roma Finance
- SoMo Bridging
- StreamBank
- TAB Mortgages
- Precise Mortgages
- Paragon
- Brightstar
- Crystal Specialist Finance
- Impact Specialist Finance
- Positive Lending
- Watts Commercial Finance
Find your finance route
What are you looking to do?
Choose the service closest to your plans. If you are unsure, start with a conversation.
Business & investment
Commercial mortgages
Buy or refinance business premises, commercial investments or mixed-use property.
Explore commercial mortgages
Short-term funding
Bridging finance
Explore short-term funding for a purchase, auction or a gap before sale or refinance.
Explore bridging finance
Property improvements
Refurbishment finance
Plan the purchase, works and cash flow for a property renovation or conversion.
Explore refurbishment finance
Build & convert
Development finance
Consider acquisition, staged construction funding and the exit for your scheme.
Explore development financeBuying or refinancing a residential rental property?
Explore buy-to-let mortgagesYour service from MOVA
From your plans to a clear next step.
Start with the property, amount needed, available contribution and timing. You do not need a finished application to get in touch.
Explore the finance route
We help you understand the relevant funding options, costs and conditions, and identify the lender or specialist route to explore.
Prepare to move forward
We set out the information needed, the proposed next steps, who will handle them and any fees before you choose to proceed.
Tell us about your project
A useful first conversation starts here.
Share the outline and Steven can prepare for the next step. Choose a finance area, add your timing and leave your contact details.
An outline is enough
The property, amount needed, available contribution and deadline are a useful start. You can enquire before every detail is settled.
Prefer to speak? Call 0330 633 0379 or book an initial call.
Free project budget planner
Put the project
into numbers.
Explore a purchase budget and the gap after your own cash contribution. Then see what a rise in works costs would change. No sign-up needed.
Purchase and works scenario
Allow for relevant purchase taxes, legal and professional costs, VAT and contingencies. This tool does not calculate these for you.
Use cash you could put into this project. Property equity is not automatically available cash.
What if works cost more?
Editable example figures
What this planner includes
Base costs = purchase price + works + other costs. The gap is base costs minus your cash, with a minimum of zero. The alternative scenario changes only the works budget by the selected percentage. Finance fees and interest are excluded. It does not model tax, staged drawdowns, lender valuations, existing debt or refinance proceeds. It is intended for a new purchase budget, not a refinance calculation.
Base funding gap — before finance costs
—
Total base costs—
Your cash contribution—
If works cost 10% more
Revised funding gap—
A budget gap is not an available loan amount. Finance costs may increase the amount needed. Lender limits and cash timing require separate assessment.
Figures stay on this page until you choose to include a snapshot in an enquiry. This is not a finance quote.
Illustration only. No rate, maximum borrowing, loan-to-value, eligibility or lending decision is provided. For a refinance or a project already under way, speak to Steven about the existing debt and available equity.
Before you take the next step
Clear on the details.
Clear on the decision.
From deposits to deadlines, start with the questions that matter to your project.
How much deposit or equity will I need?
It depends on the property, lender and proposal. A lender may assess its own valuation, the costs, your contribution and how the finance will be repaid. The project planner shows a budget gap; it does not establish the deposit a lender will accept.
Can you help with an auction deadline?
Tell us the auction date, completion deadline and property details as early as possible. A lender still needs to assess the proposal, valuation and legal work. Do not assume finance will be ready by a deadline or commit on the basis of this page.
Can I discuss a first investment or development?
Yes. We can discuss your plans and the relevant information. Experience requirements vary by lender and project; an initial conversation is not confirmation that funding will be available.
Why can the cash released differ from the loan facility?
Some structures deduct or retain interest and fees, and some release funds in stages. That can leave less immediately available than the headline facility. We’ll discuss the cash needed, the costs and the proposed repayment amount when reviewing terms.
Is all commercial or bridging finance unregulated?
No blanket assumption should be made. Regulatory status depends on the borrower, security, property use and transaction. Some commercial mortgages and some forms of buy-to-let mortgage are not FCA regulated; other borrowing can fall within a regulated framework. We’ll clarify the position for your enquiry.
What does the initial conversation cost?
The initial conversation is at no cost. Commercial and specialist finance fees and charges vary by transaction and provider. Any applicable advice or broker fee will be explained and agreed before you proceed.
What should I have ready?
The property or site details, price or value, any existing debt, available cash or equity, expected works and key dates are a useful starting point. Include how you intend to repay the borrowing. We’ll explain any further information needed.
Start with your plans
An opportunity in mind?
Let’s talk finance.
Tell Steven what you’re aiming to do, the figures you have and the timing you’re working towards.
Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Finance is subject to assessment, lender criteria and terms. Some commercial mortgages and some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority. Fees and charges vary and will be explained where relevant.
