Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring. Our Brighton-based commercial mortgage service connects you with specialist lenders who understand the East Sussex commercial property market.
Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring.
Our Brighton commercial mortgage team connects you with specialist lenders who have appetite for East Sussex commercial properties, securing competitive terms through direct credit committee relationships.
Read our complete commercial remortgage guideMarket Insight: 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.
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.
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.
Six to twelve weeks from formal application to drawdown is the typical range, with straightforward cases at the short end and complex structures taking longer. The valuation alone takes 2-4 weeks, legal title review another 3-5 weeks, and lender credit decisioning 1-3 weeks. We recommend starting the remortgage process at least six months before any fixed-rate end date, so the new facility is in place the day the existing one reverts to a higher variable rate.
Six months before the end of your current fixed-rate period is the optimal window. Earlier than that and the formal valuation may go stale; later than that and you risk paying reversion-rate interest during the gap. If your trigger is equity release rather than rate maturity, start as soon as you have a clear use of funds, the current valuation is the binding constraint and sets the timeline.
Almost always yes. Most lenders require a valuation no more than 3 months old at drawdown, and the valuation must be addressed to the new lender (existing lender valuations typically can't be transferred). Some lenders accept a desktop or drive-by valuation for low-LTV remortgages on standard residential investment property, but full RICS valuations are the norm for commercial.
Dedicated commercial remortgage specialists with deep knowledge of the East Sussex market.
Access to 100+ specialist lenders including those with specific appetite for Brighton.
Operating to the highest professional and ethical standards with full transparency on fees and lender recommendations.
Successfully arranged millions in property finance across East Sussex and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.