CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Brighton and East Sussex. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Brighton commercial property finance, offices, retail and mixed-use assets
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Brighton commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Brighton's commercial market is driven by tourism, a strong creative and digital cluster and two universities. The North Laine's 400-plus independent shops and the alleys of The Lanes anchor a busy centre, while seafront hospitality is supported by around 11.4 million visitors a year and the Brighton Centre's event programme. The digital sector, branded Silicon Beach, sustains demand for flexible workspace, alongside major employers including American Express at its European HQ, Lloyds Bank and Legal & General. The universities of Brighton and Sussex underpin student accommodation demand.”
, CMB Market Analysis
Major schemes at Valley Gardens, Preston Barracks and Circus Street are delivering new mixed-use, academic and workspace floorspace across the city. These projects, together with continued investment in the seafront and the Brighton Centre district, support the creative-workspace, student and hospitality demand that defines the local commercial market.
Brighton is the largest commercial property market on the south coast outside Greater London, with 864 commercial-leaning transactions registered with HM Land Registry across the rolling five years to Q1 2026 and a median deal price of £340,000.
The East Sussex regional briefing covering Brighton and the wider region. A Q2 2026 commercial property briefing on East Sussex, a coastal-and-Wealden county anchored by Brighton & Hove on the western edge, Eastbourne and the Hastings/Bexhill regeneration belt to the east, and a string of historic Wealden market towns inland. We walk through transaction volumes across the twelve principal towns, the seven Acuitus auction lots that have surfaced over the rolling window, and the single hard yield anchor, a primary care centre in Eastbourne clearing at eight point three one percent net initial.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
288 commercial sales in Brighton across the last 60 months, sourced from HM Land Registry Price Paid Data. 8 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
32, Ground Floor Shop Premises, Coombe Road, Brighton
1b, Meadow Parade, Rottingdean, Brighton
Sovereign House, Church Street, Brighton
Woodingdean Business Park, Unit 8, Sea View Way, Brighton
The Office, 1, Market Square, Brighton
54 - 55, Marine Parade, Brighton
Unit 2, Grange Road Industrial Estate, Southwick, Brighton
Unit 13, Grange Road Industrial Estate, Southwick, Brighton
80, Ewart Street, Brighton
21, Parking Space, Westbrook, Saltdean, Brighton
2, Winfield Avenue, Brighton
59a, Islingword Road, Brighton
43, Braeside Avenue, Brighton
Arundel Court, Arundel Road, Brighton
28a, St Richards Road, Portslade, Brighton
77, Bevendean Road, Brighton
75, Bevendean Road, Brighton
79, Bevendean Road, Brighton
66 - 67, St Georges Road, Brighton
4, Gloucester Passage, Brighton
5, Clifton Hill, Brighton
29, Carlton Terrace, Portslade, Brighton
10, Wellington Road, Brighton
21, Orchard Close, Southwick, Brighton
30a, Windlesham Gardens, Brighton
17, Marine Square, Brighton
99, Ewart Street, Brighton
5, Park Crescent, Brighton
9, Downsway, Woodingdean, Brighton
10, Franklin Road, Portslade, Brighton
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
Three core debt structures cover the majority of Brighton commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Brighton acquisition.
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
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Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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HMO finance for houses in multiple occupation, from 4-bed student lets to large sui generis conversions.
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Student property finance across both markets: traditional student HMOs near campus and purpose-built student accommodation (PBSA) blocks.
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Care home finance for owner-operators and investors, from 20-bed residential homes to nursing and specialist dementia care.
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Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Brighton. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileWhat makes Brighton fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Brighton presents development opportunities linked to Valley Gardens. Growing demand from the Creative Industries sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Owner-occupier term rates run from about 6.0 to 7.5% in 2026, and the city's diverse economy draws wide lender interest. NatWest, Barclays, Lloyds and Santander lend on North Laine and Lanes retail and city-centre offices, while Shawbrook, InterBay Commercial, Cynergy Bank and LendInvest suit hospitality, flexible workspace and student stock. Commercial investment facilities sit in the 6.5 to 8.5% band. Quick central purchases and conversions can use bridging at 8.5 to 11.0% pa.
We understand how Brighton valuers weigh seasonal seafront trade against the year-round strength of the North Laine and central office market, and we evidence hospitality cases accordingly. For creative and digital occupiers we present flexible-workspace demand from the Silicon Beach cluster, and for student stock we lean on the two universities' numbers. On listed premises around The Lanes and Kemptown we prepare change-of-use cases for lenders comfortable with heritage constraints.
Commercial property news for Brighton will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout East Sussex.
Commercial mortgage services available across Brighton and surrounding areas. View larger map
Recent sales, planning movement and market signals for Brighton, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 288 commercial property transactions in the Brighton area over the past 60 months, with a median sale price of £340k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of 10, Wellington Road, Brighton for £2,818,665 in Q4 2025, one of 15 commercial transactions recorded in the Brighton area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Brighton, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Brighton deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in East Sussex.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Brighton, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 288 commercial property transactions in Brighton during the most recent reporting window. The median commercial sale price is £340,000, with the middle 50% of deals between £225,000 and £477,500. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Brighton is £340,000. Smaller end deals (lower quartile) sit around £225,000, while larger transactions (upper quartile) reach £477,500 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Brighton.
The most active commercial sectors in Brighton (by recorded transaction count) are: retail (3 transactions), office (3 transactions), industrial (2 transactions). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class. Speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Brighton. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access, including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Brighton. We will review the asset, sector, deal structure and lender appetite specific to Brighton and come back with an indicative rate, LTV and term within 24 to 48 hours.
Brighton is an active lending market thanks to its diverse economy of creative, digital, university and tourism trade, so high-street banks and specialist lenders both compete. Central offices and North Laine or Lanes retail with solid tenants are readily fundable. The areas that need care are seasonal seafront hospitality and listed premises in conservation areas, where valuers look closely at income and heritage constraints. We evidence year-round trade and package heritage cases properly, which keeps most owner-occupier and investment applications moving.
For an owner-occupied shop or office in Brighton, plan for around 25 to 30% down, so borrowing up to roughly 70 to 75% loan to value. Investment purchases and seafront hospitality usually need 30 to 40% because lenders weigh seasonal income, while prime central assets with keen yields can sometimes need more equity. Student and flexible-workspace stock is assessed on income strength. We match the deposit to the lender most comfortable with the specific property and district.
NatWest, Barclays, Lloyds and Santander lend on Brighton city-centre offices and North Laine and Lanes retail. For hospitality, flexible workspace and student accommodation, specialist lenders such as Shawbrook, InterBay Commercial, Cynergy Bank and LendInvest take a more informed view of seasonal and sector-specific income. Central purchases and conversions that need speed can use bridging lenders ahead of a term refinance. We approach whichever category fits the property and borrower rather than defaulting to one bank.
Yes. We arrange commercial finance across the Brighton and Hove area and the wider East Sussex coast and downs, including Hove, Lewes, Shoreham and Newhaven. Property ranges from seafront hospitality and city-centre retail to offices, workspace and student stock. The lender relationships that work in Brighton apply across the neighbouring towns, so whether you are buying a Hove office, a Lewes shop or a seafront unit in Brighton itself, we can source suitable term, investment or bridging finance.