Commercial mortgages Bath: buying and refinancing Bath premises
Commercial mortgages in Bath fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. Here is what a Bath business should know before it applies, with every figure linked to where it comes from.
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- Enterprises (ONS 2025)
- 8,345
- Under 10 staff
- 88.5%
- Top sector: health and social care
- 17.5% of jobs
- Regional fund (BBB)
- SWIF
- Property tax
- SDLT
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Where commercial mortgages fit the Bath economy
Look at Bath through a commercial mortgages lens and these numbers matter: hotels, restaurants and food service (11.3%), wholesale, retail and motor trades (12.4%) and health and social care (17.5%), 41.2% of employee jobs (2024) combined. Great Britain: 35.7% (Nomis labour market profile: Bath and North East Somerset).
| Sector | Bath share | Bath jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 11.3% | about 11,000 | 7.8% | 1.45 |
| Wholesale, retail and motor trades | 12.4% | about 12,000 | 13.7% | 0.91 |
| Health and social care | 17.5% | about 17,000 | 14.2% | 1.23 |
Hotels, restaurants and food service is the stand-out here at 1.45 times the national share. For a hotel or pub, the lender values the building as a trading business (hotel finance).
Against its nearest neighbours in our data, those sectors are 41.2% of Bath jobs, compared with 32.6% in Bristol and 37.2% in Salisbury.
Stamp Duty and costs on a Bath purchase
Take an illustrative £680,000 purchase in Bath. Stamp Duty Land Tax on non-residential property is charged in slices:
| Slice of the price | Rate | Tax |
|---|---|---|
| First £150,000 | 0% | £0 |
| £150,001 to £250,000 | 2% | £2,000 |
| £250,001 to £680,000 | 5% | £21,500 |
| Total | £23,500 |
Budget £23,500 on top of the deposit and the legal and valuation fees.
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Commercial mortgages near Bath
Straight-line distances from Bath:
- Commercial mortgages Bristol (10 miles)
- Commercial mortgages Salisbury (35 miles)
- Commercial mortgages Cardiff (35 miles)
- Commercial mortgages Bournemouth (50 miles)
Lenders on our panel that cover Bath
No commercial mortgage provider in our panel data (10 in all) excludes BA postcodes, so a Bath business is compared against all of them.
Free business support in Bath
If you are moving or expanding, West of England Growth Hub can point you to free advice and any local programmes for Bath businesses taking on premises.
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Sources
Every figure above comes from one of these, checked on 18 October 2026. Lender coverage is from the criteria held for each lender on our panel.
We are a credit broker, not a lender. Fees depend on the lender, and there is nothing to pay upfront. This page is general information, not financial advice. Lenders set their own criteria, rates and terms, and all finance is subject to status.
Common questions
Does a BA postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude BA. Providers look at the building, its valuation and the trading business that will repay.
What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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Our clients say
Trusted by UK businesses across every sector.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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