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 at 75% LTV blended ICR around 145%. The product is dominated by specialist desks (InterBay Commercial, Shawbrook, Cynergy Bank), with FCA-regulated edges where the borrower personally occupies one of the flats. This piece walks through the underwriting, the regulated/unregulated split and the active Brighton semi-commercial lender desks.
This piece is in preparation.
The outline below is the planned structure for the full piece. Send a topic suggestion or a follow-up question to enquiries@commercialmortgagesbrighton.co.uk and we will work it in.
Coming soon, technical guide to semi-commercial mortgages in Brighton.
Outline
- The minimum residential floor area threshold (40%) and why it matters
- Blended ICR around 145%: how it works
- Active Brighton semi-commercial lender shortlist
- Typical LTV, rate range and ERC pattern
- Where FCA-regulated edges apply
- Worked example: BN1 North Laine shop-with-flat
- Worked example: BN2 Kemptown shop-with-three-flats
- Worked example: BN3 Hove Central terrace shop-with-flat
- Refinance versus purchase: which is most active right now
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