Learn about owner-occupied and investment commercial mortgages serving Southampton and South East England businesses. Matching begins after you apply; a soft credit check may be used for matching.
Rates
From 4.5% p.a.
Owner-occupied or investment
Amounts
£100k - £10M+
Speed
6-12 weeks
Southampton
16k
businesses
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
A commercial mortgage is a long-term loan secured against commercial property, offices, shops, warehouses, pubs, hotels, industrial units, or mixed-use buildings. Terms are typically 5-25 years with rates from 4.5% per annum.
You apply with details of the property, your business, and the purpose (purchase, refinance, or development). The lender values the property, assesses your business, and if approved, releases funds through your solicitor. The process typically takes 6-12 weeks from application to completion.
Your business operates from the property. Up to 80% LTV. Rates from 4.5%. Business income supports the mortgage.
Buying to let to tenants. Up to 75% LTV. Rates from 5.0%. Rental income must cover 125%+ of mortgage payments.
Replace an existing mortgage with a better rate or release equity. Up to 70% LTV. Rates from 4.5%.
Borrow £500,000 at 5.5% over 20 years. Monthly repayment: ~£3,440. Total repayable: ~£825,600. Your rate depends on your circumstances.
Ready to compare commercial mortgages in Southampton?
For UK limited companies with 3+ months’ trading and monthly revenue.
Southampton is home to one of Europe's busiest container ports, making it a critical node in the UK's import and export supply chain, with the port handling around 45 million tonnes of cargo and serving as the UK's leading cruise ship terminal. The city has a significant healthcare and life sciences sector, anchored by University Hospital Southampton, one of the largest NHS foundation trusts in the country, and a cluster of medical technology and clinical research organisations. Southampton's financial services sector, including major operations from Skandia and Carnival Corporation, complements the city's strong maritime-linked professional services economy. With 16k registered businesses across South East England, Southampton has strong demand for competitive commercial mortgages.
Funding availability depends on the business and finance required in the South East England area. Whether your Southampton business needs offices and serviced offices or retail shops and high street premises, lenders assess each application individually.
Several specialist lenders on our panel work with Southampton businesses that have imperfect credit histories. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender. Check your options when you apply.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Explore FundingFor UK limited companies with at least 3 months’ trading and monthly revenue.