Commercial mortgages Bournemouth: buying and refinancing Bournemouth premises
Commercial mortgages in Bournemouth 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 Bournemouth business should know before it applies, with every figure linked to where it comes from.
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- Enterprises (ONS 2025)
- 15,600
- Under 10 staff
- 89.2%
- Top sector: health and social care
- 18.8% of jobs
- Regional fund (BBB)
- SWIF
- Property tax
- SDLT
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Where commercial mortgages fit the Bournemouth economy
In Bournemouth, Christchurch and Poole, hotels, restaurants and food service (10.2%), wholesale, retail and motor trades (13.4%) and health and social care (18.8%) together make up 42.4% of employee jobs (2024). These are the premises-led sectors where commercial mortgages does most of its work. Great Britain: 35.7% (Nomis labour market profile: Bournemouth, Christchurch and Poole).
| Sector | Bournemouth share | Bournemouth jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 10.2% | about 19,000 | 7.8% | 1.31 |
| Wholesale, retail and motor trades | 13.4% | about 24,900 | 13.7% | 0.98 |
| Health and social care | 18.8% | about 35,000 | 14.2% | 1.32 |
Health and social care is the stand-out here at 1.32 times the national share. Care homes and clinics are valued on their trade as well as their bricks (care home finance).
Against its nearest neighbours in our data, those sectors are 42.4% of Bournemouth jobs, compared with 37.2% in Salisbury and 42.1% in Southampton.
Stamp Duty and costs on a Bournemouth purchase
Take an illustrative £610,000 purchase in Bournemouth. 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 £610,000 | 5% | £18,000 |
| Total | £20,000 |
GOV.UK says the return and payment are due within 14 days of completion, so the £20,000 belongs in the cash plan from the start.
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Commercial mortgages near Bournemouth
Straight-line distances from Bournemouth:
- Commercial mortgages Salisbury (25 miles)
- Commercial mortgages Southampton (25 miles)
- Commercial mortgages Bath (50 miles)
- Commercial mortgages Bristol (60 miles)
Lenders on our panel that cover Bournemouth
No commercial mortgage provider in our panel data (10 in all) excludes BH postcodes, so a Bournemouth business is compared against all of them.
Free business support in Bournemouth
If you are moving or expanding, Dorset Growth Hub can point you to free advice and any local programmes for Bournemouth 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 BH postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude BH. 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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