An experienced commercial mortgage broker for Brighton, Hove and East Sussex

Specialist, not generalist

Our team has been working in property and commercial banking since 2005, and we have stayed in the same lane ever since. Two decades of UK commercial finance, including senior corporate banking roles, sit behind every introduction we make. Most of that career was spent on the lender side, writing credit papers, sitting in committees, declining loans and approving them. That experience shapes how we structure and present every Brighton commercial mortgage application now we work on the broker side. We know what credit committees need to see, what triggers a decline, and where there is genuine flexibility versus where there is not.

We broker commercial mortgages and only commercial mortgages. Owner-occupier, commercial investment, semi-commercial (the unregulated cases), portfolio refinance, trading-business, commercial remortgage, commercial bridging and second-charge commercial. We do not place residential mortgages, residential buy-to-let, regulated bridging, car finance, asset finance or unsecured business loans. Those are different markets with different lenders and different broker specialisms. We would rather be excellent at one product family than mediocre across six. If you call us about a residential remortgage, regulated semi-commercial, or anything else that would require FCA authorisation, we will refer you to a regulated firm that handles it properly.

Across the past decade we have arranged in excess of £250M of commercial mortgages. Facility sizes from £150K to £10M+, terms 5 to 25 years, and every mainstream sector: seafront hotels and B&Bs, central restaurants and pubs, North Laine and The Lanes independent retail freeholds, Hove professional-services offices, healthcare and dental, day nursery, Brighton Marina leisure, semi-commercial shop+flats (unregulated), mixed-use blocks and HMO portfolios around Lewes Road and Falmer. Our work focuses on Brighton, the BN1 to BN3 city core, the wider East Sussex coast and the regen-and-creative belt running through Edward Street Quarter and Preston Barracks. Kemptown, Seven Dials, London Road, Western Road and the Brighton Marina retail-and-leisure flagship all sit comfortably inside the same lender pool. See our case studies for representative recent placements.

Brighton has two specialisms that shape our weekly deal flow. Hospitality. The seafront strip from Kings Road through Madeira Drive carries one of the largest concentrations of independent hotels and B&Bs outside London. Our active hospitality lender desks are Cynergy Bank, Allied Irish Bank UK and Metro Bank, each pricing keenly on Brighton hotel refinance and acquisition with EBITDA cover, ADR and occupancy track record at the centre of the underwrite. HMO portfolios. The University of Brighton and University of Sussex student catchment, alongside the wider young-professional renter base, drives one of the densest HMO markets on the South Coast. Paragon Bank, Together, Foundation Home Loans and Fleet Mortgages lead the lender competition on Lewes Road, Bevendean and Falmer HMO portfolio refinance, particularly where the planning consent or licensing position is already stabilised.

We are not FCA-authorised because commercial mortgages on commercial property are an unregulated activity in the UK. They fall outside the Financial Conduct Authority's regulated mortgage perimeter. Our consumer credit and regulated mortgage referrals are handled by FCA-authorised partners. That position is not unusual. Most commercial mortgage brokers operate the same way, because the products themselves are unregulated by definition. What it does mean: the underwriting discipline we apply to every deal comes from years on the credit side of the table, not from a regulated obligation. The standards a credit committee expects do not change because the product sits outside FCA scope.

Why a specialist Brighton broker

The Brighton commercial mortgage market has genuine regional nuance: Brighton and Hove City Council as a single unitary authority with one planning portal at planningapps.brighton-hove.gov.uk covering the full BN1 to BN3 footprint, the Kings Road seafront hotel strip running from the Hilton Metropole and the Grand through the long tail of independent hotels and B&Bs, North Laine and The Lanes as the independent retail and F&B spine, Kemptown for F&B and HMO semi-commercial, Edward Street Quarter as the major mixed-use regeneration scheme, Preston Barracks and Plus X Innovation Hub as the flagship creative and innovation cluster, Brighton Marina for leisure and hospitality, Western Road and George Street as the Hove high-street, Lewes Road and Falmer as the university HMO and PBSA-adjacent catchment, and the Royal Sussex County Hospital cluster on Eastern Road driving healthcare ancillary stock. The eight lenders we name and show logos for are Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander, each with confirmed permission to display marks. Behind those sit another eighty lender relationships including Allied Irish Bank UK and Metro Bank on the hospitality side, Paragon Bank, Together, Foundation Home Loans and Fleet Mortgages on the HMO side, Allica Bank, Hampshire Trust Bank, Aldermore, YBS Commercial, OakNorth, Octopus Real Estate and ASK Partners on the larger Edward Street Quarter and Preston Barracks-adjacent investment lots, plus the long tail of specialist commercial mortgage desks. National brokers tend to default to whichever desk paid the broker conference fee that quarter. We default to whichever desk will fund your deal cleanest, and we will tell you which one that is on the first call.

For a working read on the wider Brighton commercial property landscape, see our 2026 Brighton commercial property market piece.