Buy a Sports Facility

Buy your sports facility: commercial mortgages for clubs, gyms, and leisure businesses

Stop paying rent and build long-term equity in your sports facility. Sorbus Finance can consider owner-occupier and investment commercial mortgage options from its panel of 150+ UK lenders for sports clubs, gyms, golf clubs, padel centres, and leisure businesses.

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60–75%

Typical LTV

£150k

Mortgage from

25 years

Terms up to

150+

Lenders on panel

Sports facility mortgage calculator

Estimate monthly payments on a commercial mortgage for your sports or leisure premises.

Property value: £500,000

£150,000£3,000,000

Loan to value (LTV): 65%

50% LTV75% LTV

Mortgage term

Credit profile

Business credit rating

Select the option that best describes your business. This sets the APR starting from shown.

Property value

£500,000

Monthly mortgage

£2,903.05

15 year term

Indicative rate

6.9%

Deposit required

£175,000

Mortgage amount

£325,000

Total interest

£197,549

Total repayable

£522,549

This tool is designed to give you an illustrative example of estimated monthly payments. All applications are subject to underwriting and an independent lenders credit outcome. Please contact Sorbus Finance for further information.

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Why sports operators choose Sorbus for facility purchase

Independent broker with an extensive panel of 150+ UK lenders. No upfront fees.

Lenders who understand sports and leisure property

Commercial sports facilities — gyms, sports halls, golf courses, and padel centres — are specialist properties. We work with lenders who have active appetite for sports and leisure assets and understand how to value them, rather than applying generic commercial property criteria.

Owner-occupier and investment mortgages

Whether you are buying your own trading premises or acquiring a sports facility as an investment, we arrange both owner-occupier commercial mortgages and investment property mortgages. Both products are available across our lender panel.

Bridging finance for auction purchases

Sports facilities sometimes become available at auction or in time-sensitive transactions. We arrange commercial bridging loans for fast completion — typically 5–10 working days — with the bridge refinanced onto a long-term commercial mortgage once the transaction completes.

Development finance for new-build facilities

Planning to build a new sports facility from scratch? We arrange development finance for the construction phase, converting to a commercial mortgage on practical completion, keeping the whole project with a single broker.

Refinancing for capital release

If you already own your sports facility, commercial mortgage refinancing can release equity to fund improvements, equipment, or expansion — often at better rates than unsecured business borrowing.

No upfront fees

In almost all circumstances we do not charge a broker fee. Should a broker fee be chargeable you will be made aware clearly in advance and it will be agreed in writing before you proceed. Read our Initial Disclosure.

What we can finance

New or used, single asset or a complete facility package.

Sports clubs & clubhouses

Commercial gym premises

Padel centres & tennis clubs

Golf courses & driving ranges

Sports halls & leisure centres

Swimming pool facilities

Equestrian centres

Stadium & spectator facilities

Martial arts studios

Dance & fitness studios

Multi-sport complexes

Indoor bowls & snooker clubs

Who you could speak to

Arran Turner

Managing Director

General commercial finance and how Sorbus works

Profile

Graham Nash

Commercial Finance Director

Business loans, cash flow and wider commercial funding

Profile

STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.

Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.

Client journey

Explore real client journeys

Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.

Browse anonymised case studies

Enquire about Sports Facility Commercial Mortgage

Start with a conversation

Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.

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Prefer to call?

Speak directly to an adviser Monday–Friday, 9am–5:30pm.

01246 383500

Free call. No obligation.

Unique to Sorbus Finance

Optional: Business Finance Health Check

Before you approach lenders, understand your borrowing readiness with our free Business Finance Health Check, built for UK sports and leisure businesses.

Take the short Health Check

Free · No credit check · Not required before you talk

Want the full picture? The full fact-find is longer and also optional.

Email us anytime

hello@sorbusfinance.co.uk

Free tool

Know your lending position before you apply

The Business Finance Health Check scores your readiness to borrow, business resilience, and exit strategy. Free, under 5 minutes, no obligation.

Run your free Health Check

Questions answered

Common questions from sports and leisure business owners.

Yes. Sports clubs and leisure businesses operating as limited companies can access commercial mortgages to purchase their premises. Lenders assess the club's trading history, profitability, and the property's value. A sports club that is sustainably profitable with at least 2–3 years of accounts and a credible business plan has good prospects. Some specialist lenders are active in the sports and leisure sector and are comfortable with the specific cashflow characteristics of club businesses.

Commercial mortgages for sports facilities typically require a deposit of 25–40% of the purchase price (i.e., a maximum LTV of 60–75%). For standard commercial properties let to strong tenants, LTVs up to 75% are possible. For owner-occupied sports facilities where the value is partly tied to the trading business, lenders are typically more conservative, often lending up to 65–70% LTV. A larger deposit or additional security can improve the available LTV.

An owner-occupier commercial mortgage is for businesses buying the premises from which they trade, e.g., a gym buying its own gym building. An investment commercial mortgage is for buyers purchasing a sports facility as an investment property to let to a tenant-operator. Owner-occupier mortgages assess the business's ability to service the debt from trading income. Investment mortgages assess rental income relative to the mortgage payment. Both are available through Sorbus Finance.

Yes, though golf courses are considered specialist commercial property. Lenders who are active in this sector look at the course's trading history, green fee income, membership revenue, and ancillary income streams. Courses with diversified income (clubhouse, events, lessons, catering) and 3+ years of profitable trading are the strongest candidates. We work with lenders who have a genuine appetite for golf course lending and understand how to assess these properties.

A straightforward commercial mortgage on a sports facility typically takes 4–8 weeks from application to completion. This allows time for the lender's valuation of the property, legal searches and enquiries, credit assessment, and mortgage offer. More complex transactions (development finance, bridging to mortgage, or cases with adverse credit) take longer. Using a broker significantly reduces delays because we identify the right lenders and package the application correctly from the start.

Related sports & leisure finance

Sports Finance Overview Asset Finance Business Loans Commercial Mortgages Free Health Check

Ready to buy your sports facility?

Speak to a Sorbus Finance adviser for a free, no-obligation discussion about commercial mortgages and bridging finance for sports and leisure property.

01246 383500 All Sports Finance