Commercial mortgages Brighton: buying and refinancing Brighton premises
Commercial mortgages in Brighton fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. Below are the Brighton figures, funds and lender rules that shape a search, each linked to its source.
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- Enterprises (ONS 2026)
- 14,035
- Under 10 staff
- 90.1%
- Top sector: health and social care
- 18.5% of jobs
- Regional fund (BBB)
- SEIF
- Property tax
- SDLT
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Where commercial mortgages fit the Brighton economy
40.5% of employee jobs (2024) in Brighton and Hove sit in the premises-led sectors: hotels, restaurants and food service (11.0%), wholesale, retail and motor trades (11.0%) and health and social care (18.5%). Great Britain: 35.7% (Nomis labour market profile: Brighton and Hove).
| Sector | Brighton share | Brighton jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 11.0% | about 16,100 | 7.8% | 1.41 |
| Wholesale, retail and motor trades | 11.0% | about 16,100 | 13.7% | 0.80 |
| Health and social care | 18.5% | about 27,000 | 14.2% | 1.30 |
Hotels, restaurants and food service is the stand-out here at 1.41 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 40.5% of Brighton jobs, compared with 41.0% in Chichester and 33.3% in Guildford.
Stamp Duty and costs on a Brighton purchase
As a worked example, here is the Stamp Duty Land Tax on a £725,000 commercial building in Brighton:
| Slice of the price | Rate | Tax |
|---|---|---|
| First £150,000 | 0% | £0 |
| £150,001 to £250,000 | 2% | £2,000 |
| £250,001 to £725,000 | 5% | £23,750 |
| Total | £25,750 |
Budget £25,750 on top of the deposit and the legal and valuation fees.
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Commercial mortgages near Brighton
Straight-line distances from Brighton:
- Commercial mortgages London (45 miles)
- Commercial mortgages Southampton (55 miles)
- Commercial mortgages Salisbury (75 miles)
- Commercial mortgages Bournemouth (75 miles)
Lenders on our panel that cover Brighton
No commercial mortgage provider in our panel data (10 in all) excludes BN postcodes, so a Brighton business is compared against all of them.
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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 BN postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude BN. 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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