Commercial Mortgages in Chelsea

Commercial and mixed-use finance for Chelsea, South Kensington, Fulham and SW3 / SW10.

Prime areas such as Chelsea, South Kensington and Fulham attract strong demand for high-end retail, restaurant and office space. Financing these properties often involves larger loan sizes, more complex leases and, in some cases, private or specialist lenders.

We help you understand the commercial lending landscape and, where regulated advice is required, introduce you to FCA-authorised commercial mortgage advisers with experience in prime central and west London.

Typical Commercial Assets in SW3 / SW10

• Retail and hospitality units on prime streets.
• Offices and professional practices.
• Mixed-use blocks with residential above.
• More specialist or bespoke commercial premises.

Commercial Finance Options

• Owner-occupied commercial mortgages for trading businesses.
• Commercial investment mortgages for tenanted units and blocks.
• Semi-commercial mortgages for mixed-use properties.
• Bridging & development finance for refurbishments and value-add strategies.

What Lenders Focus On

Property & Location

• Prime vs secondary parade and surrounding demographics.
• Condition, specification and planning status.
• Liquidity and resale prospects.

Income & Leases

• Tenant quality and covenant strength.
• Length of leases and rent review profile.
• Rental cover vs interest and any capital repayments.

Borrower & Structure

• Experience with commercial property and/or trading in the sector.
• Personal and company financial strength.
• SPV or group structures, often with guarantees.

Our Role & FCA Disclaimer

We do not provide regulated mortgage advice. Instead, we:

• Discuss your Chelsea commercial property plans.
• Introduce you to FCA-authorised commercial mortgage advisers who can advise on suitable lenders and structures.
• Help you consider how commercial borrowing fits into your wider property and wealth strategy.

Useful Links

Commercial & Larger Loans · HMO Financing · Buy-to-Let Mortgages · Contact Us

Commercial Mortgage FAQs — Chelsea

Can I use a private bank for a large commercial purchase?

Possibly – larger or more complex cases may suit private or specialist banks. A regulated adviser can explore these alongside mainstream options.

Will lenders accept foreign income or structures?

Some will, some won’t. Cross-border income and ownership need careful structuring, which a commercial adviser can help with.

Planning a Commercial Purchase in Chelsea?

If you’re acquiring or refinancing commercial property in Chelsea, South Kensington or SW3/SW10, get in touch and we’ll help you explore the options with a regulated adviser.