Looking for a commercial mortgage in Bexhill-on-Sea? We help business owners and investors with shops, offices, industrial units and mixed-use buildings across Bexhill, Little Common and Sidley, with home or business visits around Bexhill available.
Bexhill's commercial property is mostly small-scale. The town centre has independent shops, cafés and restaurants on streets such as Western Road, Sackville Road and St Leonards Road, many with flats or offices above. Little Common and Sidley have their own village-style parades, and the seafront is anchored by the De La Warr Pavilion and a line of cafés, restaurants and hotels.
Industrial space is concentrated to the north and east of the town. Bexhill Enterprise Park North is adding new industrial and business units, with the first ones due in 2026 and around 20 planned overall. The Queensway Gateway Road, opened in September 2025, links this area towards Hastings and the A21. Retail parks on the Bexhill Road towards St Leonards serve both towns.
That mix shapes the typical Bexhill commercial mortgage: a local business buying its own unit instead of renting, an investor buying a let shop with a flat above, or a family refinancing a building they have owned for years.
We arrange commercial finance for:
Care homes, guest houses and other trading businesses are assessed on their trading accounts and the specialist nature of the building. Fewer lenders cover them, so we look at the business case before approaching anyone.
Speak to a friendly, expert Mortgage Adviser about your unique mortgage needs.
We'll search 1000s of products for the best mortgage and present our advice to you.
Your Adviser will complete your application, liaise with the lender and you, keep you informed until completion.
Each commercial case is assessed individually. Expect a lender to ask for business accounts or a projection, a schedule of existing borrowing, details of any leases and rent, and a full commercial valuation. The loan size usually depends on both the value and the income, and many lenders lend up to around 70% to 75% of value on the right property and borrower.
Not every deal fits a commercial mortgage straight away. Auctions, part-vacant buildings and properties needing refurbishment are often bought with bridging finance first. Some owners use a SIPP or SSAS pension to buy business premises; we can work alongside your pension adviser and accountant.
We look across specialist and mainstream commercial lenders, including ones that do not deal direct with the public. We are directly authorised by the Financial Conduct Authority (FRN 925926) and rated 5.0 stars from 109 Google reviews. We are based at 17 Havelock Road in Hastings and can visit you at home or at your business around Hastings and Bexhill, or talk by phone or video.
We explain our fee and how we are paid before any work starts. Contact us or call 01424 444597 for an initial chat.
Yes, if the business can show it can afford the repayments. Lenders will want accounts, the purchase price and details of the unit. Owner-occupiers often need a deposit of around 25% to 30%.
Yes. A refinance can move you off an expensive rate or release equity, subject to the lender's assessment of the shop lease, the flat and your finances.
Generally, no. Commercial mortgages are usually unregulated. If you or a close family member will live in at least 40% of the property, the loan may be regulated, and we will tell you which applies.
It is usually longer than a residential mortgage, often several weeks to a few months, because of commercial valuations and legal work on leases and title. If timing is tight, bridging finance may be an option.
Important: Commercial mortgages are generally not regulated by the Financial Conduct Authority. If you or a close family member will live in at least 40% of the property, the loan may be regulated and we will tell you which applies. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Transparent Mortgage Services is a trading style of Transparent Financial Associates Limited, which is directly authorised and regulated by the Financial Conduct Authority (FRN 925926). 17 Havelock Road, Hastings, East Sussex TN34 1BP. Telephone 01424 444597.
