Commercial Mortgages Hollingbury and Patcham

The Hollingbury and Patcham commercial property market

Hollingbury and Patcham carry the principal Brighton industrial commercial stock, a market structurally constrained by the city's geographic position pinned between the sea and the South Downs national park. The Hollingbury Industrial Estate runs to roughly 250,000 sq ft of B2 and B8 stock anchored by trade-counter, automotive, light industrial and food production occupiers, with rents on prime industrial space at £14 to £20 per sq ft in 2026 and trade-counter at £18 to £26 per sq ft. The Patcham Court Farm site at the northern edge carries trade and emerging mixed-use, and the A23 London Road corridor running between them carries a tail of trade-counter, MOT, forecourt and small-cap convenience retail.

The dominant commercial mortgage archetypes in Hollingbury and Patcham are three. First, light industrial owner-occupier, SMEs buying their workshop, storage or trade-counter unit on the Hollingbury Industrial Estate, typical lot sizes £400K to £1.5M, EBITDA-led at 70 to 75% LTV. Second, small industrial investment, individual B2 or B8 units acquired on let-stock basis, typical lot sizes £500K to £2M, ICR-led at 65 to 70% LTV. Third, MOT, forecourt and trade-counter trading-business along the A23 spine and within the estate, typical lot sizes £300K to £1M, EBITDA-led at 60 to 70% LTV. Pricing on Hollingbury owner-occupier industrial currently 6.0 to 7.5% pa at 70 to 75% LTV, among the keenest available CM rates in the Brighton market reflecting the structural supply constraint on industrial stock inside the city boundary.

HM Land Registry residential transactions across the BN1 8 footprint confirm a mid-tier resident base, with recent files including BN1 8UA Vale Avenue at £667,500 sitting at the upper end of the local owner-occupier band. These are directional market-temperature signals on the residential surround that supports SME industrial owner-occupier underwriting through household-income covenants, not direct commercial comparables. Brighton's tight industrial supply means new B2 and B8 consents are sparse and existing stock holds value, which underwrites long-hold investor underwriting. Stamp duty applies at the commercial rates on every freehold commercial purchase.

Active commercial property types in Hollingbury and Patcham

Lender appetite for Hollingbury industrial and Patcham trade

Industrial-led across the BN1 8 footprint. Allica Bank is one of the prominent lenders on Brighton industrial owner-occupier and small investment at 70 to 75% LTV and 6.0 to 7.5% pa on the £400K to £1.5M end, with the structural supply constraint on Brighton industrial stock underwriting strong asset retention assumptions. Lloyds, NatWest, Barclays and Santander compete on the stronger-covenant Hollingbury and Patcham owner-occupier and stabilised investment at 65 to 75% LTV and 6.0 to 7.0% pa. Shawbrook and InterBay Commercial take small industrial investment, trade-counter and ancillary commercial at 70 to 75% LTV and 6.5 to 8.0% pa. HTB and Cambridge & Counties price competitively on the £500K to £2M industrial investment book. Together is prominent on the A23 corridor MOT and forecourt trading-business at 60 to 70% LTV and 7.5 to 9.0% pa. LendInvest covers value-add and bridge-to-let on Patcham Court Farm trade-to-mixed-use exits. Cynergy Bank takes selected Hollingbury and Patcham trading-business deals on the licensed-trade and convenience-retail end. Commercial mortgages are unregulated and fall outside the FCA regulated mortgage perimeter, we do not hold FCA authorisation because the products we arrange are unregulated.