Semi-Commercial Mortgages in Brighton

Funding a mixed-use purchase or refinance in Brighton

We arrange the full range of semi-commercial and mixed-use finance for Brighton property. A semi-commercial mortgage funds the purchase or refinance of an investment or owner-occupied mixed-use asset, typically to 70 to 75 percent of value, priced from around 6.5 to 8.5 percent a year. Where the residential element is large, a mixed-use mortgage may be sized on the blended income from both parts. Semi-commercial bridging covers a quick purchase, an auction lot or a property that needs works before it will support a term loan, usually from around 0.70 to 0.95 percent a month. For landlords holding several mixed-use or part-commercial assets, portfolio finance consolidates them under one facility. Once an asset is stabilised and let, a semi-commercial remortgage moves it onto a keener rate and releases equity for the next purchase in Sussex.

The semi-commercial property we fund in Brighton

Each kind of mixed-use asset is treated differently by different lenders, and we arrange finance for all of them in Brighton and across Sussex. That covers the classic shop with a flat above, offices with residential upper floors, pubs and guest houses with owner or letting accommodation, restaurants and takeaways with flats, retail parades with residential uppers, HMOs above commercial units, surgeries and professional premises with living space, and larger mixed-use blocks. The key question every lender asks is how much of the property, by floor area or value, is residential against commercial, because that split decides which desk will lend and on what terms.

The residential element: what local values tell a lender

The recent tape sets clean per-unit anchors across the city's main pricing bands. A freehold terrace at 63 Westbourne Gardens (BN3 5PN) cleared at £960,000 on 26 March 2026, which is the upper Hove townhouse benchmark for conversion exits. A freehold terrace at 1 Westbourne Street (BN3 5PE) sold at £800,000 on 25 March, confirming the high-£700ks to low-£800ks band for the same micro-market. In central BN2, 180 Eastern Road achieved £600,000 as a freehold terrace, and 43 Upper Abbey Road sat at £565,000, both useful comparables for Kemp Town conversion appraisals. A detached freehold at 7 Ainsworth Close (BN2 7BH) cleared at £800,000 on 20 March, anchoring the eastern Brighton detached-house band where larger backland sites occasionally come forward. At the entry point, leasehold flats are clearing between £120,000 (Flat 2, 11 Boundary Road, BN3 4EH) and £360,000 across the BN1, BN2 and BN3 postcodes, which sets the per-unit floor for HMO and small conversion exits.

This residential evidence values the living space within a mixed-use property and gauges how readily it would let or sell. It is not a guide to the commercial unit's value, which is tenant and covenant driven.