Commercial mortgages Southampton: buying and refinancing Southampton premises
Commercial mortgages in Southampton 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 Southampton: 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)
- 7,285
- Under 10 staff
- 89.7%
- Top sector: health and social care
- 22.8% of jobs
- Regional fund (BBB)
- SEIF
- Property tax
- SDLT
On this page
Where commercial mortgages fit the Southampton economy
Which Southampton firms are likely users of commercial mortgages? Start with hotels, restaurants and food service (7.0%), wholesale, retail and motor trades (12.3%) and health and social care (22.8%), which add up to 42.1% of employee jobs (2024). Great Britain: 35.7% (Nomis labour market profile: Southampton).
| Sector | Southampton share | Southampton jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 7.0% | about 8,000 | 7.8% | 0.90 |
| Wholesale, retail and motor trades | 12.3% | about 14,000 | 13.7% | 0.90 |
| Health and social care | 22.8% | about 26,000 | 14.2% | 1.61 |
Relative to Great Britain, health and social care is the strongest of these locally (1.61 times). 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 42.1% of Southampton jobs, compared with 39.1% in Winchester and 39.5% in Portsmouth.
Stamp Duty and costs on a Southampton purchase
Take an illustrative £560,000 purchase in Southampton. 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 £560,000 | 5% | £15,500 |
| Total | £17,500 |
Budget £17,500 on top of the deposit and the legal and valuation fees.
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Commercial mortgages near Southampton
Straight-line distances from Southampton:
- Commercial mortgages Salisbury (20 miles)
- Commercial mortgages Bournemouth (25 miles)
- Commercial mortgages Bath (55 miles)
- Commercial mortgages Brighton (55 miles)
Lenders on our panel that cover Southampton
No commercial mortgage provider in our panel data (10 in all) excludes SO postcodes, so a Southampton business is compared against all of them.
Free business support in Southampton
If you are moving or expanding, Solent Growth Hub can point you to free advice and any local programmes for Southampton 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 SO postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude SO. 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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