Commercial Mortgages in Hastings

Purchasing premises for your business or a commercial investment in Hastings or St Leonards? From coastal retail to workshops and mixed-use, we help you prepare a compelling case, compare lenders and move confidently to completion. If a formal recommendation is required, we’ll connect you with an FCA-regulated adviser.

How We Help

• Identify lenders aligned to your sector and asset
• Compare rates, fees and covenants across offers
• Prepare accounts, forecasts and lease documentation
• Coordinate valuation and legals to reduce bottlenecks

Lender Focus

• Cash flow: DSCR and trading resilience
• LTV & security: Typically 60–70% LTV; additional security can help
• Experience: Sector track record and management quality
• Asset quality: Location, EPC and re-lettability

Property Types

• Retail, hospitality and leisure
• Offices and studios
• Light industrial, storage and trade counters
• Semi-commercial (shop with uppers)

Local Notes

Hastings’ regeneration areas can present value, but lenders will want realistic rental comps and clear business cases. Presenting tenant covenant strength and lease terms upfront supports valuation.

Commercial Mortgage FAQs

How quickly can funding complete?

Plan for 6–12+ weeks — valuation and legal searches drive the timeline.

Will I need a PG (personal guarantee)?

Often for SME borrowing; scope depends on leverage and risk.

Can I refinance to raise capital?

Common, subject to DSCR, valuation and purpose of funds.

Do green/EPC upgrades help?

Improved EPC can support valuation, tenant demand and sometimes pricing.

Next Steps

Send the property and financial details. We’ll outline lender routes and connect you with an FCA-regulated adviser to proceed.