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 Southampton-based commercial mortgage service connects you with specialist lenders who understand the Hampshire 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 Southampton commercial mortgage team connects you with specialist lenders who have appetite for Hampshire commercial properties, securing competitive terms through direct credit committee relationships.
Read our complete commercial remortgage guideMarket Insight: Major port city with two universities. Cruise industry driving hospitality demand. Strong student market.
Watermark WestQuay; Royal Pier Waterfront; Mayflower Quarter
Strong appetite across sectors. Maritime and student uses favoured.
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 Hampshire market.
Access to 100+ specialist lenders including those with specific appetite for Southampton.
Operating to the highest professional and ethical standards with full transparency on fees and lender recommendations.
Successfully arranged millions in property finance across Hampshire and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.