Commercial mortgages Salisbury: buying and refinancing Salisbury premises
Commercial mortgages in Salisbury fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. This page sets out what is specific to Salisbury: the local business figures, the public funding open to you and which lenders on our panel cover your postcode.
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- Enterprises (ONS 2026)
- 21,570
- Under 10 staff
- 89.7%
- Top sector: wholesale
- 14.3% of jobs
- Regional fund (BBB)
- SWIF
- Property tax
- SDLT
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Where commercial mortgages fit the Salisbury economy
The premises-led sectors that use commercial mortgages most account for 37.2% of employee jobs (2024) in Wiltshire: hotels, restaurants and food service (10.0%), wholesale, retail and motor trades (14.3%) and health and social care (12.9%). Great Britain: 35.7% (Nomis labour market profile: Wiltshire).
| Sector | Salisbury share | Salisbury jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 10.0% | about 21,000 | 7.8% | 1.28 |
| Wholesale, retail and motor trades | 14.3% | about 30,000 | 13.7% | 1.04 |
| Health and social care | 12.9% | about 27,100 | 14.2% | 0.91 |
The ratio is highest for hotels, restaurants and food service, at 1.28. Hotels, pubs and restaurants that buy their freehold usually borrow against the trading business as well as the building; see hotel finance.
Against its nearest neighbours in our data, those sectors are 37.2% of Salisbury jobs, compared with 42.1% in Southampton and 39.1% in Winchester.
Stamp Duty and costs on a Salisbury purchase
Say a Salisbury business agrees £480,000 for its premises. The Stamp Duty Land Tax bill builds up band by band:
| Slice of the price | Rate | Tax |
|---|---|---|
| First £150,000 | 0% | £0 |
| £150,001 to £250,000 | 2% | £2,000 |
| £250,001 to £480,000 | 5% | £11,500 |
| Total | £13,500 |
That £13,500, plus legal and valuation fees, usually comes from the buyer's own funds alongside the deposit.
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Commercial mortgages near Salisbury
Straight-line distances from Salisbury:
- Commercial mortgages Southampton (20 miles)
- Commercial mortgages Bournemouth (25 miles)
- Commercial mortgages Bath (35 miles)
- Commercial mortgages Bristol (45 miles)
Lenders on our panel that cover Salisbury
No commercial mortgage provider in our panel data (10 in all) excludes SP postcodes, so a Salisbury business is compared against all of them.
Free business support in Salisbury
If you are moving or expanding, Swindon and Wiltshire Growth Hub can point you to free advice and any local programmes for Salisbury 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 an SP postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude SP. 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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