Editorial

Brighton Commercial Mortgage Insights

Market intelligence, lender-desk updates and rate commentary for Brighton commercial property owners, investors and trading businesses.

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Market Read

The Brighton commercial property market in 2026

A working read on the Brighton commercial property market at mid-2026. The BN1 city-centre retail story (Churchill Square, North Laine, The Lanes). The Kings Road seafront hospitality strip. The four ...

11 May 2026Read →

In preparation

In the pipeline

Briefings we are working on across Brighton. Outlines available now, full pieces shipping through the editorial calendar. Send a topic suggestion to enquiries@commercialmortgagesbrighton.co.uk.

Market Update · Draft

Commercial mortgage rates in Brighton: what to expect for the rest of 2026

A view on where Brighton commercial mortgage pricing sits at mid-2026 and where it is likely to land by year-end. Owner-occupier 6.0–7.5% pa, commercial investment 6.5–8.5%, semi-c...

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Guide · Draft

Owner-occupier vs investment commercial mortgages: the underwriting split

How owner-occupier and commercial investment mortgages differ in underwriting, lender pool and pricing across the Brighton market. EBITDA cover at 1.3 to 1.5x versus ICR cover at 1...

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Technical · Draft

DSCR and ICR explained: how lenders test affordability on Brighton commercial investment

ICR (interest cover ratio) and DSCR (debt service coverage ratio) are the two affordability tests that determine how much commercial investment mortgage you can raise against a let...

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Sector Guide · Draft

Care home commercial mortgages: CQC, occupancy, and the Brighton specialist desks

Care home and assisted-living commercial mortgages are sector-specialist lending with sector-specific underwriting around CQC rating, occupancy, weighted-average bed value and coun...

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Sector Guide · Draft

Pub freehold purchase in Brighton: barrelage, EBITDA and the licensed-trade desks

Pub and bar trading-business mortgages in Brighton run through a small specialist desk of licensed-trade lenders (Cynergy Bank, ASK Partners, Allied Irish Bank UK) that underwrite ...

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Sector Guide · Draft

Semi-commercial mortgages in Brighton: shop-with-flat, FCA edges and the specialist lender pool

Semi-commercial mortgages on classic Brighton shop-with-flat archetypes (BN1 North Laine and Lanes, BN2 Kemptown, BN1 London Road, BN3 Hove Central, BN1 Seven Dials) typically run ...

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Guide · Draft

Portfolio refinance in Brighton: when to consolidate, when to leave alone

Brighton commercial property investors carrying 5+ assets across different lenders and maturity dates are the natural audience for portfolio refinance. But not every portfolio bene...

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Tax & Structure · Draft

Stamp duty on commercial property: the 2026 picture and what is changing

Stamp Duty Land Tax on commercial property in Brighton and the rest of England runs on three non-residential bands: 0% to £150,000, 2% on the next £100,000, 5% on the balance. Ther...

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Tax & Structure · Draft

Limited company structure for commercial mortgage investment: SPV, group company or trading company?

Most commercial investment mortgages in Brighton are written into limited companies, but the question of whether to use a clean special-purpose vehicle (SPV), a group holding struc...

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Guide · Draft

Commercial bridging in Brighton: when it is the right answer, and when it absolutely is not

Commercial bridging at 0.75 to 1.10% per month is meaningfully more expensive than term commercial mortgage debt at 7.5 to 9.0% pa, but for the right case it is the right answer. V...

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