CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Nottingham and Nottinghamshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Nottingham commercial property finance, offices, retail and mixed-use assets
Nottingham commercial property delivers 6.8% average yield.
Nottingham yields sit above the UK commercial average, supporting income-driven debt structures and SPV-led acquisitions.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Nottingham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Two universities and roughly 60,000 students underpin a resilient rental market across this Trent-side city. We see steady demand in the Lace Market and Hockley, where heritage stock has been converted into creative workspace, bars and apartments, while BioCity and Nottingham Science Park anchor the life-sciences and technology occupier base. The Island Quarter and the former Broadmarsh site continue to reshape the southern city centre. Owner-occupier terms sit around 6.0 to 7.5% pa and commercial investment around 6.5 to 8.5% pa in 2026.”
, CMB Market Analysis
The Island Quarter is delivering homes, offices, labs and leisure on a large brownfield site near the station, while redevelopment of the former Broadmarsh centre reshapes the southern city core. The Creative Quarter continues to convert Lace Market and Sneinton stock into workspace for digital and creative firms.
Nottingham's commercial property market is the leading East Midlands centre, with HM Land Registry recording 4,186 commercial-leaning transactions across the city in the rolling five-year window to Q1 2026.
The Nottinghamshire regional briefing covering Nottingham and the wider region. A Q2 2026 commercial property briefing on Nottinghamshire, the East Midlands' second commercial economy after Leicestershire, anchored on a Big Nine office market in Nottingham with two universities, the Boots head office at Beeston, Experian and Capital One. We walk through transaction volumes across the nine principal towns, what twenty Acuitus auction lots tell us about cleared pricing in a county that doesn't print explicit yields, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
Submarket-level prime rent benchmarks across Nottingham's main commercial districts, the figures that shape valuations, lender comparables and target acquisition prices.
Mixed Retail/Office
Creative Quarter
Major Regeneration
Development Zone
Industrial/Retail
867 commercial sales in Nottingham across the last 60 months, sourced from HM Land Registry Price Paid Data. 6 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Total Lindsey Oil Refinery LTD, Road No 3, Colwick Industrial Estate, Nottingham
Unit 1, Tennis Court Industrial Estate, Nottingham
Unit 2, Tennis Court Industrial Estate, Nottingham
Unit 29, Trent South Industrial Park, Nottingham
58, High Street, Hucknall, Nottingham
Bridgford House, Unit 1-2, Pavilion Road, West Bridgford, Nottingham
Government Buildings, Chalfont Drive, Nottingham
23, Meadow Road, Beeston, Nottingham
The Old Ambulance Station, Elm Avenue, Carlton, Nottingham
Unit 1b, Amber Drive, Langley Mill, Nottingham
7, Michael Gardens, Nottingham
13, Rosebery Avenue, West Bridgford, Nottingham
Custom Duct Limited, Common Lane, Watnall, Nottingham
132, Carlton Road, Nottingham
2 - 4, Regent Street, Kimberley, Nottingham
56, Three Tuns Road, Eastwood, Nottingham
198, Beardall Street, Hucknall, Nottingham
1 - 3, Main Street, Bulwell, Nottingham
89, Ewart Road, Nottingham
Edwalton Manor, Landmere Lane, Edwalton, Nottingham
119 - 121, Arnold Road, Nottingham
123, Arnold Road, Nottingham
119 - 121, Arnold Road, Nottingham
121, Arnold Road, Nottingham
121, Arnold Road, Nottingham
123, Arnold Road, Nottingham
A S D Fabrications, Byron Avenue, Kirkby In Ashfield, Nottingham
35 - 37, Loughborough Road, West Bridgford, Nottingham
58, Station Road, Sandiacre, Nottingham
3, Phoenix Place, Nottingham
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
60,000+ students across 2 institutions drive sustained occupier demand for purpose-built student accommodation and licensed HMOs in Nottingham.
2 institutions · 60,000 students
Nottingham operates city-wide additional licensing since 2019
High HMO saturation in some areas causing lender caution. Sherwood/Beeston emerging with lower saturation.
Three core debt structures cover the majority of Nottingham commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Nottingham acquisition.
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
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Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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HMO finance for houses in multiple occupation, from 4-bed student lets to large sui generis conversions.
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Student property finance across both markets: traditional student HMOs near campus and purpose-built student accommodation (PBSA) blocks.
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Care home finance for owner-operators and investors, from 20-bed residential homes to nursing and specialist dementia care.
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Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Nottingham. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileWhat makes Nottingham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Nottingham presents development opportunities linked to Island Quarter. Growing demand from the Technology sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
High street names including NatWest, Barclays, Lloyds and Santander compete for well-let offices and mixed-use stock in and around the city centre. Challenger and specialist lenders, Allica Bank, Aldermore, Shawbrook, InterBay Commercial and Cynergy Bank, are active on student housing, creative workspace and value-add assets in the Lace Market and Creative Quarter. Bridging lenders such as LendInvest support quick acquisitions on the Nottingham auction circuit, typically 8.5 to 11.0% pa.
Broker Notes
Island Quarter £1.5bn project attracting development finance. BioCity life sciences hub mature. Very high HMO saturation in Lenton/Radford may limit lending options. Hucknall tram corridor growing.
We arrange commercial finance across Nottinghamshire regularly, so we know how lenders treat converted lace warehouses, upper floors above retail on Bridlesmith Gate, and purpose-built student blocks near both campuses. We can frame a Hockley or Sneinton refurbishment for lenders who understand phased drawdown on heritage buildings, and we know which valuers cover the Beeston and West Bridgford edges of the market. That local reading tends to shorten the route to credit approval.
Commercial property news for Nottingham will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Nottinghamshire.
Commercial mortgage services available across Nottingham and surrounding areas. View larger map
Recent sales, planning movement and market signals for Nottingham, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 867 commercial property transactions in the Nottingham area over the past 60 months, with a median sale price of £178k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of Total Lindsey Oil Refinery LTD, Road No 3, Colwick Industrial Estate, Nottingham for £4,350,000 in Q1 2026, one of 16 commercial transactions recorded in the Nottingham area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Nottingham, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Nottingham deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in Nottinghamshire.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Nottingham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 867 commercial property transactions in Nottingham during the most recent reporting window. The median commercial sale price is £178,000, with the middle 50% of deals between £130,000 and £255,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Nottingham is £178,000. Smaller end deals (lower quartile) sit around £130,000, while larger transactions (upper quartile) reach £255,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Nottingham.
The most active commercial sectors in Nottingham (by recorded transaction count) are: industrial (4 transactions), retail (1 transaction), office (1 transaction). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class. Speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Nottingham. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access, including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Nottingham. We will review the asset, sector, deal structure and lender appetite specific to Nottingham and come back with an indicative rate, LTV and term within 24 to 48 hours.
It is generally straightforward for well-let assets in and around the city centre. Nottingham's two universities, professional-services base and employers like Boots and Experian give lenders confidence in occupier demand, so high street and challenger banks compete on offices, retail and mixed-use stock. Student housing and creative workspace attract specialist appetite. The harder cases tend to be short-lease or vacant heritage buildings in the Lace Market, where we position the deal with lenders who understand conversion risk.
Most lenders in Nottingham look for a 25 to 40% deposit on commercial investment and owner-occupier purchases, so 60 to 75% loan-to-value is the working range. Owner-occupiers with strong trading accounts can sometimes push higher. Student housing and specialist assets near the University of Nottingham and Nottingham Trent campuses may sit at the more conservative end. We compare several lenders to find the best leverage for your property and plan, rather than accepting the first offer.
High street banks including NatWest, Barclays, Lloyds and Santander compete for prime city-centre offices and mixed-use property. Challenger and specialist names, Allica Bank, Aldermore, Shawbrook, InterBay Commercial and Cynergy Bank, are active on student housing, creative workspace and value-add assets in the Lace Market and Creative Quarter. For quick auction purchases we use bridging lenders such as LendInvest. We approach several at once to keep terms competitive across the Nottinghamshire market.
Yes. We arrange finance across Greater Nottingham and the wider Nottinghamshire and Derbyshire fringe, including Beeston, West Bridgford, Arnold, Carlton, Hucknall and Long Eaton. Deals near the M1 and the NET tram corridor draw good lender interest, and we know which valuers cover each district. Whether the property sits in the Creative Quarter, on Nottingham Science Park or on a suburban high street, we match it to lenders who understand that specific patch of the market.