Specialist Commercial Mortgage Brokers in Bristol – Fox Davidson
At Fox Davidson, we are award-winning commercial mortgage brokers in Bristol, helping businesses, investors, and property owners secure commercial mortgages for a range of properties across the city and beyond.
Bristol’s commercial property market is thriving in 2025, with limited supply driving rising demand for Grade A offices and take-up 21% above the 10-year average (Avison Young, 2025). Whether you’re financing an office in Temple Quarter, a retail unit in Cabot Circus, or an industrial space in Avonmouth, our independent commercial brokers access the whole UK market to deliver competitive rates and tailored solutions.
Why choose Fox Davidson as your Bristol commercial mortgage broker?
- Access to specialist lenders offering up to 80% loan-to-value (LTV).
- Competitive rates from 3.5% above the Bank of England base rate (~4% in September 2025).
- Flexible terms up to 30 years, including interest-only options.
- Local expertise in Bristol’s hotspots, from Clifton offices to Easton warehouses.
📞 Call 💻 Complete our enquiry form or 📧 Email for a free consultation.
What is a Commercial Mortgage?
A commercial mortgage is a loan secured against non-residential property, used for purchasing, refinancing, or developing business premises or investment properties. Unlike residential mortgages, lenders assess based on the property’s income potential (e.g., rental yield or business EBITDA) and your financial profile.
As Bristol’s leading commercial mortgage brokers, Fox Davidson navigates complex criteria, securing deals from high-street banks, private lenders, and specialist funders for Bristol’s dynamic market—where strong demand and limited supply (Savills, Summer 2025) create prime investment opportunities.
Key benefits of a commercial mortgage in Bristol:
- Finance properties in high-demand areas like Temple Quarter or St Philips.
- Leverage rental yields averaging 5–7% for offices and retail (UK commercial averages, 2025).
- Benefit from Bristol’s property price growth (5.2% annually since 2020, Land Registry).
- Access tax-efficient structures for businesses or investors.
Types of Commercial Mortgages in Bristol
We offer a range of commercial mortgage solutions tailored to Bristol’s commercial landscape:
- Commercial Investment Mortgages
For properties rented to third-party tenants, such as offices in Clifton or retail in Broadmead.- LTV: Up to 75–80% (higher for professionals like doctors or vets).
- Terms: 5–30 years.
- Rates: Fixed & Trackers.
- Requirements: Minimum 1-year lease; rental income covering 125–145% of payments.
- Owner-Occupied Business Mortgages
For purchasing or refinancing your own premises, like warehouses in Avonmouth.- LTV: Up to 80%.
- Based on EBITDA from 2 years of accounts.
- Semi-Commercial Mortgages
For mixed-use properties (e.g., shop with flat above) in areas like Stokes Croft. - Development and Bridging Finance
Short-term loans for developments in Temple Quarter or auctions in Bedminster. - Portfolio and Multi-Property Loans
Portfolio funding for investors scaling across Bristol and the South West.
When to Consider a Commercial Mortgage in Bristol
Bristol’s commercial sector faces opportunities and challenges: limited Grade A supply amid strong demand (Colliers, Q1 2025), with office take-up robust and developments like Temple Quarter boosting growth. A commercial mortgage is ideal for:
- Purchasing investment properties (average yields 5–7%).
- Expanding businesses in high-growth areas like Fishponds industrial estates.
- Refinancing to release equity or improve rates amid rising interest (~4% base rate 2025).
- Navigating regulations like EPC upgrades (E or above by 2030).
Even first-time commercial borrowers can qualify with strong business plans and our guidance.
How to Get a Commercial Mortgage in Bristol with Fox Davidson
- Free Consultation
Discuss your needs, from a Clifton office to an Easton retail unit.
- Documentation
Provide ID, business accounts, property details, and projections (e.g., rental income or EBITDA).
- Lender Sourcing
Compare high-street banks, private banks, and specialist lenders familiar with Bristol’s market.
- Application and Approval
Submit and negotiate terms—funds released in 4–12 weeks.
- Ongoing Support
Advice on tax efficiency and portfolio growth.
As your commercial mortgage broker in Bristol, we streamline the process.
Typical requirements:
- Loan size: £150,000 minimum.
- LTV: 70–80%.
- Good credit and 2 years’ accounts for businesses.
🔹 Get Your Free Commercial Mortgage Consultation with Fox Davidson 🔹
📞 Call for immediate expert advice
📧 Email with an outline of your requirements
Success Stories: Commercial Mortgages in Bristol
- Office Investment: Secured a £1.2m commercial mortgage for a Temple Quarter office block, 75% LTV, 4% rate, yielding 6.5%.
- Retail Refinance: Helped a Broadmead retailer refinance £850k, releasing equity for expansion in March 2025.
- Industrial Purchase: Arranged bridging finance for an Avonmouth warehouse, rolled into a 20-year mortgage with 7% yield.
Our Bristol clients value our market access and expertise.
Why Choose Fox Davidson as Your Bristol Commercial Mortgage Broker?
- Local Expertise: In-depth knowledge of Bristol’s commercial hotspots like Cabot Circus, St Philips, and Bedminster.
- Award-Winning Team: Multi-award winners with 20+ years in commercial finance, NACFB members.
- Whole Market Access: Independent, comparing all UK lenders.
- Tailored Solutions: For individuals, LLPs, Ltd companies, SIPPs, and trusts.
- Trusted Service: NACFB Accredited, 5-star reviews for fast, reliable results.
Meet our Bristol team.
Frequently Asked Questions (FAQs) on Commercial Mortgages in Bristol
Up to 80%, depending on the property and your profile (higher for professionals).
From 3.5% above base rate (~4% in 2025), totaling 7.5–9.5% depending on risk.
Yes, with strong business plans and our expert guidance.
Offices in Clifton, retail in Stokes Croft, industrial in Avonmouth, and more.
4–12 weeks, faster for bridging loans.
Secure Your Bristol Commercial Mortgage Today
Ready to finance your commercial property?
Contact Fox Davidson, your expert commercial mortgage broker in Bristol. Call 0117 989 7950, email enquiry@foxdavidson.co.uk, or complete our enquiry form contact us.
Your property may be repossessed if you do not keep up repayments on your mortgage.
