Commercial Property Finance London

London is the UK’s primary commercial property market, the most liquid, the most competitive, and the most lender-active market for commercial finance in the country. Platinum Global Bridging Finance is headquartered at 64 Knightsbridge, London SW1X 7JF, with direct access to the lenders, advisers, and market participants who make up the London commercial property finance ecosystem. We arrange commercial mortgages, bridging loans, and development finance across Central London, Greater London, and the wider South East from £250,000 to £150m+, through a panel of over 100 lenders. No broker fee on facilities of £500,000 or above.

London Commercial Property Market Overview

London’s commercial property market encompasses one of the most diverse ranges of asset types and transaction structures in Europe. From institutional-grade West End offices to mixed-use Shoreditch developments, from Canary Wharf investment blocks to high-street retail in Kensington, each sub-market has its own demand drivers, rental dynamics, and lender appetite.

The London commercial finance market benefits from the deepest lender panel in the UK, high-street banks, international banks, challenger banks, specialist lenders, debt funds, family offices, and private credit funds all actively lend on London commercial property. This depth of lender competition typically produces the most competitive rates available in the UK market for well-structured transactions. In 2026, international capital continues to flow into London commercial property, with buyers from the Middle East, Asia Pacific, and North America particularly active in the prime office and mixed-use markets.

London commercial mortgage rates broadly track the UK market, currently ranging from approximately 5.5% to 9% pa depending on property type, LTV, and borrower profile, but the depth of lender competition in London frequently produces better terms than equivalent transactions in regional markets. Where a regional city might have 8 to 12 lenders genuinely active on a given transaction type, a London equivalent might attract 20 to 30, producing materially better pricing and terms for well-presented cases. With the Bank of England base rate at 3.75% in early 2026, its lowest level since December 2022, variable rate borrowers have benefited from improved predictability in their debt servicing costs compared with the preceding two years.

Types of London Commercial Property Finance We Arrange

London Commercial Mortgages

Long-term commercial mortgages for owner-occupiers and investors across all London commercial property sectors. We arrange commercial mortgages for offices, retail, industrial, mixed-use, and specialist assets across all London postcodes. The deep lender panel available for London assets frequently produces better rates and higher LTVs than equivalent assets in regional markets. Fixed rate commercial mortgages from 5.5% pa for prime London assets; variable rate options from Bank of England base rate plus a lender margin for borrowers who prefer rate flexibility.

London Commercial Bridging Loans

Short-term bridging finance for London commercial property purchases, refinances, and developments. London’s fast-moving commercial market, particularly auction purchases and off-market transactions, regularly requires completion timelines that conventional commercial mortgages cannot meet. We arrange commercial bridging loans completing in 3 to 10 working days for London assets. Our Knightsbridge location gives us immediate access to the lenders and legal teams required to move quickly on London transactions. London bridging loans from £250,000 to £150m+, interest rates from 0.5% to 1.5% per month depending on LTV and security quality.

London Office Finance

London’s office market is the most active and liquid in the UK. West End and City offices attract the strongest lender appetite, with prime Grade A assets achieving the most competitive mortgage terms. We arrange office finance across Central London, including the City, West End, Midtown, Canary Wharf, and the emerging markets of South Bank and King’s Cross. The flight to quality in London’s post-hybrid office market has concentrated demand into the best-specified, best-located assets, creating both lending opportunities for prime and challenges for secondary stock. Office bridging loans are available for acquisitions requiring speed.

London Retail Property Finance

London retail property, from prime Bond Street and Oxford Street locations through to neighbourhood high streets in outer London, requires careful lender selection given the structural changes facing UK retail. Prime London retail, particularly food-anchored, luxury, and well-located convenience formats, continues to attract competitive financing terms. We arrange retail property finance for London assets across the full quality spectrum, with specialist lenders for secondary and mixed-use retail assets. Retail bridging loans are available for acquisitions requiring a fast turnaround.

London Industrial and Logistics Finance

London’s industrial and logistics market is characterised by extreme supply scarcity and strong rental growth. Available industrial land within the M25 is at historically low levels, driving yields down and values up. Last-mile delivery hubs, trade counter units, and urban logistics facilities across Greater London attract competitive mortgage terms from lenders who recognise the structural demand drivers. We arrange industrial and warehouse finance for London assets from small south London trade estates to major logistics hubs on the M25 corridor.

London Hotel and Hospitality Finance

London is the UK’s primary hotel market, with occupancy rates and RevPAR significantly above the national average. International tourism recovery, a constrained new supply pipeline, and robust corporate travel demand have kept London hotel performance strong in 2025 and 2026. We arrange hotel finance for London properties across all segments, budget, mid-market, boutique, and luxury, with specialist lenders who understand London’s hospitality market dynamics.

London Care Home Finance

London and the surrounding commuter belt face some of the most acute care bed shortages in the UK relative to the size of the elderly population, driven by high land costs constraining new development and strong demand from an ageing, affluent resident base. We arrange care home finance for London and Home Counties operators and investors, working with lenders experienced in the specific dynamics of high-value London care property.

London Development Finance

London’s development finance market is one of the most active in Europe, covering ground-up residential and commercial development, office-to-residential conversions under permitted development rights, and large mixed-use regeneration schemes. We arrange development finance for London projects from £500,000 to £150m+, with staged drawdowns against build programmes. See our development finance London page for full detail on London development lending.

London Semi-Commercial and Mixed-Use Finance

Mixed-use property, shops with flats above, converted townhouses with ground-floor commercial space, is a defining feature of much of inner London’s built environment, and semi-commercial finance is one of the most frequently arranged transaction types we handle in the capital. We arrange semi-commercial mortgages for London mixed-use property, working with lenders experienced in the particular blend of high land values and complex, often period, building fabric that characterises much of London’s mixed-use stock.

London vs Regional Commercial Property Finance

London commercial property transactions differ from regional markets in several important ways that affect how finance is structured:

  • Higher values: London commercial property values are typically 2 to 5 times higher than equivalent assets in regional markets, meaning loan sizes are larger and more lenders are active at the relevant loan quantum.
  • Deeper lender panel: The volume and value of London commercial transactions supports a much wider lender panel than most regional markets, creating more competition on terms and better outcomes for well-structured cases.
  • Faster pace: London commercial transactions move faster, with more competitive bidding processes and shorter exclusivity periods. Speed of finance execution is frequently a differentiating factor in contested transactions.
  • International borrowers: London attracts a disproportionate share of international commercial property investment. We arrange finance for offshore entities, non-UK residents, and foreign investors, see our offshore bridging loans page and expat bridging loans page for further context.
  • Complex structures: London transactions more frequently involve SPVs, offshore holding structures, joint ventures, and institutional co-investment arrangements that require lenders with experience in complex transaction structures.

London Sub-Markets and Borough Variation

Lending appetite and pricing vary meaningfully across London’s sub-markets, and understanding this geography matters as much as the property itself. The City and West End remain the deepest and most liquid markets for prime office and mixed-use investment, attracting the widest lender panel and the most competitive terms for institutional-grade assets. Fringe Central London locations, Shoreditch, King’s Cross, South Bank, have seen sustained lender and investor interest as occupiers and residents priced out of the core have moved to these areas, supporting values and widening the lender pool for well-located secondary stock. Outer London boroughs offer materially lower entry prices and can present strong value for owner-occupiers and investors, though the lender pool for secondary retail and older industrial stock in some outer boroughs is narrower than in zone 1 and 2 locations, making broker access to the right specialist lender particularly important.

International Buyers and London Commercial Property

London is one of the world’s most accessible commercial property markets for international capital. We regularly arrange commercial mortgages and bridging loans for non-UK residents, offshore entities, and foreign investors acquiring London commercial property. Lender requirements vary by jurisdiction, some will lend to buyers from any country, others have restrictions on certain jurisdictions, but the London lender panel for international buyers is significantly wider and more competitive than any other UK market.

Common structures for international buyers include UK SPV ownership (often a BVI or Cayman holding company), direct personal ownership by non-UK residents, and nominee arrangements. We work with London solicitors experienced in international commercial property transactions and can connect buyers with the relevant legal and tax advisers at the outset of a transaction. Non-UK resident buyers should also factor in the Register of Overseas Entities requirements for property held through offshore structures, and the additional Stamp Duty Land Tax surcharge that can apply to certain non-resident purchasers, both of which a specialist London solicitor will advise on as part of the transaction structure.

Our London Office

Platinum Global Bridging Finance is based at 64 Knightsbridge, London SW1X 7JF, at the heart of one of London’s premier commercial and financial districts, minutes from the City of London and the West End. Our London location gives us direct proximity to the lenders, law firms, surveyors, and transaction advisers who are central to the London commercial finance market.

We also operate from Railway House, Urmston, Manchester M41 6NA, giving us national reach across all major UK commercial property markets. For London commercial property finance enquiries, contact us directly for indicative terms.

Worked Example: West End Office Investment

An investor acquires a fully let Grade A office suite in the West End for £6,500,000, let on a 10-year FRI lease to a professional services firm at £390,000 per annum.

  • Purchase price: £6,500,000
  • LTV: 60% = Loan of £3,900,000
  • Rate: 5.75% pa interest only
  • Annual interest: £224,250
  • DSCR: £390,000 / £224,250 = 1.74x
  • Deposit required: £2,600,000

No broker fee applies. The prime West End location and strong tenant covenant support access to the deepest tier of the London lender panel, including international banks that would not typically engage on equivalent regional transactions.

Worked Example: East London Mixed-Use Bridge-to-Mortgage

An investor purchases a semi-commercial building in Shoreditch, a ground-floor retail unit with three residential flats above, at auction for £1,450,000, requiring completion within 28 days.

  • Bridging loan: 65% LTV = £942,500, arranged in 9 working days to meet the auction deadline
  • Refurbishment of the vacant retail unit completed over 4 months
  • Refinance onto a semi-commercial term mortgage once the retail unit is let: 70% LTV, 6.5% pa

This bridge-to-mortgage structure, common on London’s fast-moving auction and off-market deals, allowed the purchase to complete within the auction timeline while the retail element was stabilised ahead of long-term refinancing.

Worked Example: North London Industrial Refinance

An owner-occupier refinances a light industrial unit in North London, purchased 4 years ago, that has grown in value alongside strong demand for urban logistics space in the capital. The business, a specialist joinery manufacturer, has grown its adjusted net profit to £260,000 per annum.

  • Current valuation: £2,100,000 (up from £1,600,000 at original purchase)
  • New loan: 65% LTV = £1,365,000
  • Rate: 6.0% pa fixed for 5 years
  • DSCR against adjusted net profit: comfortably above 3x
  • Equity released: £245,000 above the outstanding balance on the previous facility, used to fund new machinery

No broker fee applies on this facility. The combination of London’s scarce industrial land supply and the business’s own growth supported both a stronger valuation and a materially improved DSCR position at refinance.

Frequently Asked Questions

What commercial mortgage rates are available in London?

London commercial mortgage rates currently range from approximately 5.5% to 9% pa depending on property type, LTV, and borrower profile. Prime London assets with strong covenants typically achieve the most competitive rates within this range due to the depth of lender competition for quality London security. The depth of the London lender panel means well-structured cases are often priced more competitively than equivalent regional transactions.

Can I get a commercial mortgage for a Central London property as a non-UK resident?

Yes, London attracts significant international investment and lenders are experienced in financing offshore entities, non-UK residents, and foreign investors. Structure and jurisdiction affect which lenders are available and at what terms. We have specialist lender relationships for international borrowers acquiring London commercial property and can advise on the most appropriate structure from the outset.

How quickly can a London commercial bridging loan complete?

London commercial bridging loans can complete in as little as 3 to 5 working days for straightforward cases where legal and valuation capacity is available. Our Knightsbridge location and established lender relationships support fast execution on London transactions. For auction purchases with a 28-day completion requirement, we regularly deliver completions within 10 working days.

What is the maximum loan size for London commercial property finance?

We arrange London commercial property finance from £250,000 to £150m+. For very large transactions, institutional-grade office blocks, large mixed-use schemes, and major hospitality assets, we access debt funds, international banks, and structured finance solutions alongside conventional commercial lenders.

Do London commercial mortgages get better rates than regional equivalents?

Often yes, though it depends heavily on the specific asset and location within London. The sheer depth of lender competition for well-structured London transactions, particularly prime assets, frequently produces more competitive terms than an equivalent property in a regional market would achieve, simply because more lenders are actively bidding for the business.

Does Platinum Global charge a broker fee for London commercial finance?

No broker fee on facilities of £500,000 or above.

Which London boroughs offer the best value for commercial property investment?

Outer London boroughs generally offer materially lower entry prices than zone 1 and 2 locations, which can support stronger yields, though the lender pool for some secondary retail and older industrial stock in these areas is narrower than for prime Central London assets. A specialist broker can identify which lenders are genuinely active in a specific outer London sub-market before you commit to a purchase.

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    Commercial Property Finance London 4 July 2026