Commercial mortgages London: buying and refinancing London premises
Commercial mortgages in London 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 London figures, funds and lender rules that shape a search, each linked to its source.
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- Enterprises (ONS 2026)
- 552,505
- Under 10 staff
- 90.1%
- Top sector: professional
- 14.4% of jobs
- Regional fund (BBB)
- None in London
- Property tax
- SDLT
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Where commercial mortgages fits the London economy
The premises-led sectors that use commercial mortgages most account for 27.8% of workforce jobs (June 2026) in Greater London: hotels, restaurants and food service (6.9%), wholesale, retail and motor trades (10.0%) and health and social care (10.9%). Those shares come from the London regional profile, which counts workforce jobs rather than employee jobs, so they are not directly comparable with Great Britain figures.
| Sector | London share | London jobs | Great Britain (employee jobs) | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 6.9% | about 444,100 | 7.8% | 0.88 |
| Wholesale, retail and motor trades | 10.0% | about 643,600 | 13.7% | 0.73 |
| Health and social care | 10.9% | about 701,500 | 14.2% | 0.77 |
The ratio is highest for hotels, restaurants and food service, at 0.88. For a hotel or pub, the lender values the building as a trading business (hotel finance).
Stamp Duty and costs on a London purchase
Take an illustrative £950,000 purchase in London. 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 £950,000 | 5% | £35,000 |
| Total | £37,000 |
Budget £37,000 on top of the deposit and the legal and valuation fees.
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Commercial mortgages near London
Straight-line distances from London:
- Commercial mortgages Birmingham (100 miles)
- Commercial mortgages Bristol (105 miles)
- Commercial mortgages Nottingham (110 miles)
- Commercial mortgages Cardiff (130 miles)
Lenders on our panel that cover London
No commercial mortgage provider in our panel data (10 in all) excludes London postcodes, so a London 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 London postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude London. 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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