Brighton Commercial mortgages: A Broker That Actually Picks Up
Office, warehouse, retail or mixed-use — we arrange commercial mortgages on every property type relevant to Brighton. Investment loans typically 65–75% LTV, owner-occupied often higher, with both fixed and variable structures available.
Common scenarios
What commercial mortgages typically funds in Brighton
Local context
Why Brighton is a market we know
Geographically, Brighton sits in East Sussex (South East), connected by the M23 and with the BN1, BN2, BN3 postcode footprint covering most of the urban core. A blend of leisure, retirement-driven residential and busy harbour-edge commercial. Holiday-let stock, hospitality SMEs and seafront mixed-use create plenty of variation in lender appetite.
Tell us about your Brighton deal
A 5-minute conversation gets indicative terms back within 24 hours.
Structures we arrange
Commercial Loans options for Brighton
Owner-occupier mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Investment mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Semi-commercial
Typical size £150k – £15m; timeline 6–10 weeks.
Portfolio refinance
Typical size £150k – £15m; timeline 6–10 weeks.
Brighton FAQs
Common questions about commercial mortgages in Brighton
What about a Ltd SPV borrower?+
Standard for Brighton property investment. Director PGs are usual. Most lenders are SPV-friendly without rate penalty.
Are sub-25-year leases lendable?+
Yes — they price differently and may attract amortisation requirements but they are lendable.
Can I refinance to release equity?+
Yes — equity release on Brighton commercial holdings is a common request. We'll model the cost and lender appetite before formal application.
Will a covenant break affect lending?+
Vacancy or tenant departure affects pricing but doesn't prevent lending. Vacant-possession commercial loans exist, often at lower LTV.
What about mixed-use property in Brighton?+
Mixed-use (shop with flats, office with residential) is regularly funded across Brighton. Some lenders treat it as semi-commercial with friendlier pricing than pure commercial.
What is a portfolio mortgage?+
A single facility covering multiple properties — often cheaper than individual mortgages, and more flexible when adding or selling stock.
Nearby areas we cover
Commercial mortgages across the East Sussex area
We arrange commercial loans for clients across Brighton and the surrounding towns, typically within a short drive of the M23 corridor.
In summary
Next steps for Brighton
The right commercial loans structure depends on your exit, your covenant, your timeline and the specific property — none of which a generic page can answer for. We're happy to talk through a Brighton deal informally before you commit to anything. Same number, same broker, every call.