MOVA / Commercial mortgages
Buy business premises, refinance an existing property or explore a commercial investment. Start with the property, the income and the borrowing you need.
Initial phone conversation at no cost · No pressure to proceed
Choose your starting point
The use of the property shapes the assessment. These examples help you start in the right place.
Buy or refinance premises used by your own business.
Buy or refinance a property let to a business tenant.
Consider a building with both commercial and residential elements.
Your service from MOVA
Start with how the property will be used, its price or value, the supporting income and your contribution. You do not need a finished application to get in touch.
Steven works through the purpose, figures and practical constraints, including anything that needs attention before an application.
We help you understand the relevant funding options, costs and conditions, and identify the lender or specialist route to explore.
We set out the information needed, the proposed next steps, who will handle them and any fees before you choose to proceed.
Before you commit
A headline rate is only one part of the decision.
Check fixed or variable pricing, repayment or interest-only borrowing, and whether a balance remains due at the end of the facility.
Review arrangement, valuation, legal and adviser costs, early repayment charges and any review conditions.
Understand the property security and any personal guarantees, alongside your other borrowing and cash commitments.
Looking at a residential rental property instead?
Explore buy-to-let mortgagesPrepare for our conversation
A useful starting point is the property address and use, purchase price or current value, contribution, existing debt and timetable.
You can enquire before every document is ready. Please do not upload financial documents through the initial website enquiry.
Your questions, answered
Yes, you can discuss replacing existing borrowing or raising funds against a property you own. The purpose, outstanding debt, property value and affordability all need assessment.
It depends on the lender, property, business or rental income and the proposal. A home mortgage deposit assumption is not a reliable guide to a commercial mortgage.
Company borrowing can be considered, alongside other ownership structures. Tell us who will own the property and who operates the business. Take tax and legal advice on the structure before committing.
Some forms of commercial mortgage are not regulated by the Financial Conduct Authority. The position depends on the arrangement and property use; it should not be assumed from the product name alone.
Steven will review the outline and discuss your objectives, figures and timing with you. You will then understand the information needed, the proposed route, who will handle each stage and any fees. Sending an enquiry is not a loan application or a lending decision.
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Your next step
Share the property, its intended use and an outline of the borrowing. Steven will help you identify the next step.
Prefer to talk now? 0330 633 0379
Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. Some forms of commercial mortgage and buy-to-let mortgage are not regulated by the Financial Conduct Authority. Finance is subject to eligibility, underwriting, valuation and legal checks. Fees, charges and relevant terms will be explained before you choose to proceed.
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