Commercial Mortgages in Brighton & Hove

From independent retail in The Lanes to hospitality on the seafront, offices in Hove and mixed-use along major routes, Brighton & Hove offers diverse commercial opportunities. We help owners and investors prepare lender-ready applications and compare funding across banks and specialist lenders. When a recommendation is needed, we’ll connect you with an FCA-regulated adviser.

How We Help

• Assess owner-occupied vs. investment pathways
• Compare pricing, covenants and early-repayment structures
• Assemble financials: multi-year accounts, projections, lease schedules
• Manage valuation and legal milestones to target completion

What Lenders Assess

• Income strength: DSCR for investment; affordability for owner-occupied
• LTV: Frequently 60–70%; sector and covenant can adjust this
• Tenant/lease quality: Term certain, breaks, rent review mechanics
• Asset fundamentals: Footfall, visibility, EPC and alternative use

Common Assets

• Retail, cafes, restaurants and hospitality
• Offices and creative workspaces
• Semi-commercial (shop with uppers)
• Light industrial and storage units

Local Notes

Tourism and student flows shape Brighton’s demand profile; lenders value resilient locations and diversified income. For semi-commercial, a clear split of commercial vs. residential income helps pricing and leverage discussions.

Commercial Mortgage FAQs

Do lenders fund vacant property?

Possible with strong business plans or pre-lets; pricing and LTV may be tighter.

What fee structure should I expect?

Arrangement/valuation/legal fees are typical; we’ll compare total cost over the term.

Interest-only available?

More common on investment with strong DSCR; owner-occupied tends toward repayment.

Can I use an SPV?

Yes — widely used for investment; criteria and guarantees vary.

Next Steps

Share the property, tenancy and financials. We’ll outline lender options and connect you with an FCA-regulated adviser to progress funding.