Editorial

London Commercial Mortgage Insights

Market intelligence, lender market updates and rate commentary for London commercial property owners, investors and trading businesses.

Latest

Published reads

10 pieces

Market

Budget 2026: property income tax at 24%, 44% and 49%, and what it means for London landlords and shop-with-flat owners

From 6 April 2027 rental profit is taxed at 24%, 44% and 49%. Here is who it reaches in London, what it does to a parade building with flats above, and why owner-managers renting premises to their own...

29 Oct 2026Read →

Market

London commercial mortgage rates in 2026: what the eight products actually price at

The mid-2026 band runs 6.0 to 9.0% pa on standard commercial mortgage product, and 8.5 to 11.0% on bridging and second charge. Here is where each of the eight products sits, what moves your number ins...

28 Jul 2026Read →

Guide

Why a London commercial valuation comes in under the agreed price, and what to do about it

A RICS Red Book valuation reports market value on evidence. An agreed price only reports what one buyer agreed to pay on one day. In a London market where prime central is correcting and outer borough...

14 Jul 2026Read →

Planning

Article 4 directions, Class E and change of use: the London planning traps that stop a commercial mortgage

A lender underwrites the use a property lawfully has, not the use you intend for it. In a city of 33 planning authorities with different Article 4 directions in force, that principle catches out more ...

2 Jul 2026Read →

Guide

Semi-commercial in London: the shop with flats above, and the question to settle on day one

The parade building with a Class E unit at ground floor and flats over it is the most common semi-commercial asset in London. It supports 75% LTV at 6.5 to 8.5% pa through the right desk. It also carr...

16 Jun 2026Read →

Guide

ICR and EBITDA cover: the two tests that decide a London commercial mortgage

Almost every commercial mortgage decision comes down to one of two affordability tests, both run at a stressed rate rather than the headline rate. In London the affordability cap binds far more often ...

28 May 2026Read →

Sector

Industrial and logistics finance in London: Park Royal, the Royal Docks and the Opportunity Areas

London industrial land is under permanent pressure from higher-value uses, which is good for values and difficult for occupiers. For an owner-occupier, that pressure is the strongest argument there is...

7 May 2026Read →

Sector

Refinancing a London office in 2026: leverage, capex reserves and the case for not maximising

London holds around 26.7 million square metres of office floorspace and it is not one market. Refinancing an office here in 2026 means a harder eye on reversionary assumptions, a lender expectation of...

15 Apr 2026Read →

Guide

Portfolio refinance across the London boroughs: the document that turns a conversation into a quote

Most London portfolio landlords assembled the portfolio one asset at a time, and the debt reflects that: several lenders, several rates, several maturity dates. Consolidating is usually the right answ...

19 Mar 2026Read →

Guide

Commercial bridging in London: when it is the right answer, and when it absolutely is not

Commercial bridging at 0.70 to 0.95% per month is meaningfully more expensive than term debt at 6.0 to 8.5% pa. For a small number of London cases it is still the right answer. For a larger number it ...

24 Feb 2026Read →

Looking at a deal?

Send us a London commercial mortgage to look at.

Indicative terms from three to five lenders within 48 hours. No cost for the initial assessment.

Get in touch