At Rosa Commercial, we believe business finance should be clear, efficient, and built around your goals. As the commercial arm of Rosa Mortgages, we bring over 12 years of financial expertise and a strong reputation for personal service to the world of Commercial & Specialist Finance.
Based in Southport, we’re proud to serve businesses and investors across the North West and beyond. Whether you’re developing property, growing a portfolio, or funding equipment, we’ll provide honest advice and a tailored solution – with access to an extensive panel of lenders including high street banks, specialist lenders, and private institutions.
We don’t just match you with finance – we guide you through the process with clarity, care, and expert knowledge.
Short-term, fast-access funding – ideal for property purchases, auction finance, or breaking a chain.
Funding solutions for ground-up builds, renovations, and conversions – tailored to developers of all sizes.
A trading business mortgage is designed to allow you to fund the purchase or refinance a property for use as business premises. These mortgages aren’t just used to purchase property; they can also be remortgaged just like a residential mortgage to secure a better deal. This is common where the business’ performance has improved over time and lenders now see you as a lower risk applicant. Trading business mortgages let business owners borrow money needed to buy property or land for their business. Similar to a residential mortgage, the money is borrowed from a high street bank or specialist lender and is repaid in monthly instalments, along with interest.
Streamlined funding for landlords and investors with multiple properties, including refinancing options.
Flexible finance for vehicles, machinery, and equipment – helping you invest in your business infrastructure.
Specialist mortgages for properties that combine residential and commercial use (e.g., shops with flats above).
Finance for purchasing or refinancing standalone commercial properties for investment purposes.
Buy-to-let and residential portfolio mortgages for both new and seasoned landlords.
We’re always there for you when you need us.
We’ll be honest with you throughout the journey and nothing is hidden.
We’re experts in our field and will guide you, so you’re safe in our hands.
We care, we pay attention to detail and will always listen to your needs.
Timescales vary depending on the type of finance: bridging finance can complete in as little as 2–3 weeks, whereas larger commercial mortgages or development loans may take 6–12 weeks or more to complete.
While requirements vary by lender, you’ll typically need business accounts, cash flow forecasts, proof of identity, property details if applicable, and company documents (e.g., incorporation certificates). Invoice finance may also require your client list and outstanding invoices.
Yes –most commercial finance requires a deposit or loan-to-value (LTV) requirement. For example, commercial mortgages often require 25-40%, while development finance deposits typically range from 20–30%, depending on risk and lender criteria.
Absolutely. Many commercial loans – including mortgages, asset finance, and invoice finance can be arranged via a limited company or special purpose vehicle, especially for property investors and developers.
Our loan amounts start from just £50k, with flexible options to help bring your plans to life.
Expect application fees, arrangement or underwriting fees, valuation costs, and possible exit or extension fees. Asset-backed facility fees may include origination charges and reserves.
Yes—unsecured loans and facilities (like working capital or smaller business loans) are available but often attract higher rates and smaller amounts, and rely heavily on business performance and trading history.
Yes – portfolio and commercial investment finance are well suited to refinancing, debt consolidation, lower interest rates, or releasing equity for new opportunities.
Let Rosa Mortgages take the stress out of your residential home-buying and ownership journey. As our trusted sister company, Rosa Mortgages specialise in all types of residential mortgages, from first-time buyer advice to remortgaging and everything in between.
Expert guidance, tailored solutions, and support you can count on.
Whether you’re a first-time buyer or moving up the property ladder, we’ll help you find the right residential mortgage to suit your personal and financial circumstances. Our sister company, Rosa Mortgages, specialises in guiding clients through the entire process—from initial consultation to mortgage approval—ensuring a smooth and stress-free journey to homeownership.
Whether you’re coming to the end of your fixed term, looking to reduce your monthly payments, or wanting to release equity, remortgaging could be a smart financial move. Rosa Mortgages will review your current deal and explore the market for better options, ensuring your mortgage continues to work for you.
Looking to invest in property? A buy to let mortgage can help you make the most of the rental market. Whether you’re an experienced landlord or just starting out, Rosa Mortgages will work with you to find the most suitable deal, considering both your investment goals and the regulatory landscape.
Thinking of moving but not ready to sell your current home? A let to buy mortgage lets you rent out your existing property while purchasing a new one to live in. Rosa Mortgages can help structure your finances to make this transition smooth and financially viable, unlocking new opportunities while retaining your current asset.
Rosa Mortgages, a trading style of Rosa Mortgages LTD is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.