Commercial Mortgages in Southwark
Commercial Mortgages in Southwark
Commercial property finance for Southwark, London Bridge, Borough and SE1.
From small offices near London Bridge to mixed-use buildings around Borough, Bermondsey and Elephant & Castle, commercial property in Southwark attracts strong demand. Whether you’re an investor or trading business, the right finance structure is crucial.
We provide clear information on how commercial lenders assess central London properties and, where regulated advice is needed, introduce you to FCA-authorised commercial mortgage advisers with experience in this sector.
Types of Commercial Property in Southwark
- Offices and studios for owner-occupiers and investors.
- Retail and hospitality units – shops, cafés, restaurants.
- Industrial / light industrial units and warehouses.
- Mixed-use – ground-floor commercial with flats above.
Commercial Finance Options
- Owner-occupied commercial mortgages for your own trading premises.
- Commercial investment mortgages for properties let to third-party tenants.
- Semi-commercial mortgages for mixed-use blocks.
- Short-term bridging finance for auctions, conversions or refurbishments.
What Do Lenders Assess?
1. Property & Location
- Exact location within SE1 and surrounding postcodes.
- Current use, planning class, condition and potential.
- Length and quality of leases for investment properties.
2. Tenant & Income (for Investment)
- Strength and covenant of tenants.
- Lease terms, rent reviews and breaks.
- Rental coverage ratios vs interest costs.
3. Business & Borrower
- Trading history and profitability for owner-occupiers.
- Experience as an investor or landlord.
- Directors’ credit history and personal guarantees.
Process: From Enquiry to Completion
- Initial call: We discuss the property, your business or investment plans, and the timescale.
- Information pack: Accounts, leases, tenancy schedules, valuations and background information are collated.
- Introduction: We introduce you to an FCA-authorised commercial adviser to source and structure the finance.
- Terms & valuation: The adviser works with lenders to secure terms, subject to valuation and underwriting.
- Legals & completion: Solicitors handle the legal work; once complete, funds are released.
Our Role & FCA Disclaimer
We are not authorised to provide regulated mortgage advice or recommend specific commercial products. Our role is to outline the landscape and, when needed, introduce you to FCA-authorised advisers who can advise on suitable structures and lenders for your circumstances.
Useful Links
HMO Financing ·
Buy-to-Let Mortgages ·
Remortgages ·
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Commercial Mortgage FAQs — Southwark
Can I use a commercial mortgage to buy my first office?
Yes, subject to affordability and trading history. Lenders will expect realistic projections and strong business planning.
Do lenders favour certain property types in SE1?
Some lenders have preferences or exclusions, particularly around hospitality and niche uses. A commercial adviser can steer you towards lenders comfortable with your property type.
Looking at Commercial Property in Southwark?
If you’re buying or refinancing commercial premises in Southwark, London Bridge, Borough or SE1, send us an enquiry to discuss your plans.
🧮 Mortgage Calculator for Southwark Buyers and Homeowners
Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.
Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.
Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.
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