Southampton Commercial Mortgage Case Studies
Illustrative Southampton and Solent corridor commercial mortgage scenarios across port-and-logistics, healthcare ancillary, university HMO portfolio refinance, hospitality, owner-occupier freehold, investment and semi-commercial. Product type, the type of lender, indicative pricing bands and what the lender would focus on.
Adanac Park and Nursling
B8 logistics warehouse refinance, Adanac Park M271
Single-let B8 logistics warehouse investment on the M271 corridor
c. £3.5m facility at up to 70% LTV
- Lender type: A challenger bank or specialist lender
- Indicative LTV: up to 70%
- Indicative rate band: 6.5% to 8.0% pa
- Term: 20 to 25 years
Illustrative example: not a completed transaction
Highfield and Portswood
HMO portfolio remortgage, Highfield and Portswood
Portfolio of licensed HMOs let to students and young professionals
c. £2.5m facility at up to 70 to 75% LTV
- Lender type: A specialist lender
- Indicative LTV: up to 70 to 75%
- Indicative rate band: 6.5% to 8.5% pa
- Term: 25 years
Illustrative example: not a completed transaction
Ocean Village
Hospitality acquisition, Ocean Village
Independent restaurant with rooms, freehold and goodwill purchase
c. £2.5m to £3m facility at up to 60 to 70% LTV
- Lender type: A specialist lender
- Indicative LTV: up to 60 to 70%
- Indicative rate band: 7.0% to 9.0% pa
- Term: 15 to 20 years
Illustrative example: not a completed transaction
Bassett and Lordswood
Dental practice freehold purchase, Bassett
Owner-occupier dental practice freehold
c. £900k facility at up to 70 to 75% LTV
- Lender type: A high-street bank or challenger bank
- Indicative LTV: up to 70 to 75%
- Indicative rate band: 6.5% to 8.0% pa
- Term: 20 to 25 years
Illustrative example: not a completed transaction
Southampton City Centre and Above Bar
Retail tenant-mix portfolio refinance, Westquay
Four-unit retail parade in the city centre
c. £3m facility at up to 65 to 70% LTV
- Lender type: A challenger bank or specialist lender
- Indicative LTV: up to 65 to 70%
- Indicative rate band: 6.5% to 8.5% pa
- Term: 20 to 25 years
Illustrative example: not a completed transaction
Bedford Place and The Polygon
Independent restaurant freehold purchase, Bedford Place
Free-of-tie independent restaurant freehold
c. £650k to £700k facility at up to 65 to 70% LTV
- Lender type: A challenger bank or specialist lender
- Indicative LTV: up to 65 to 70%
- Indicative rate band: 7.0% to 9.0% pa
- Term: 15 years
Illustrative example: not a completed transaction
Mayflower Quarter and Royal Pier
Mixed-use block refinance, Mayflower Quarter
Single block with a ground-floor commercial unit and flats above
c. £1.8m facility at up to 70% LTV
- Lender type: A specialist lender
- Indicative LTV: up to 70%
- Indicative rate band: 6.5% to 8.5% pa
- Term: 25 years
Illustrative example: not a completed transaction
Bitterne
Care home freehold refinance, Bitterne
Owner-operated nursing and residential care home
c. £2.2m facility at up to 60 to 70% LTV
- Lender type: A specialist lender or a bank's healthcare team
- Indicative LTV: up to 60 to 70%
- Indicative rate band: 7.0% to 9.0% pa
- Term: 20 years
Illustrative example: not a completed transaction
Southampton City Centre and Above Bar
Professional office investment acquisition, Cumberland Place
Single-let professional office investment
c. £1.5m facility at up to 70% LTV
- Lender type: A high-street bank or challenger bank
- Indicative LTV: up to 70%
- Indicative rate band: 6.5% to 8.0% pa
- Term: 20 to 25 years
Illustrative example: not a completed transaction
Hedge End and West End
Business park unit acquisition, Hedge End
Owner-occupier business-park unit (light industrial and trade counter)
c. £1.1m facility at up to 70 to 75% LTV
- Lender type: A high-street bank or challenger bank
- Indicative LTV: up to 70 to 75%
- Indicative rate band: 6.5% to 8.0% pa
- Term: 20 years
Illustrative example: not a completed transaction
These are illustrative scenarios built from typical Southampton and Solent corridor deal structures and current market pricing, not records of specific completed transactions. Names, addresses and figures are composite and do not identify any borrower.
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