Commercial Mortgages in Southbourne: Unlocking Business Opportunities in Bournemouth's thriving Seaside Suburb
Located on the stunning Bournemouth coast, Southbourne offers a unique blend of affordable commercial properties, a vibrant local economy, and access to a wide range of business opportunities. Whether you're looking to expand your business or invest in commercial property, Southbourne provides the perfect location to achieve your goals.
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At Bournemouth Mortgages, we specialise in helping businesses in Southbourne secure the best commercial mortgage for their needs. This guide will explore why Southbourne is an attractive option for businesses, the types of commercial mortgages available, and the key considerations when securing financing.
Why Southbourne?
Southbourne, with its seaside charm, is fast becoming one of the most desirable areas in Bournemouth for businesses looking for a vibrant community and a strategic location. Its proximity to both Bournemouth town centre and the coast offers businesses the best of both worlds: easy access to urban amenities and a welcoming environment by the sea.
1. Thriving Local Economy and Business Community
Southbourne has long been known for its thriving high street, which is home to a diverse range of businesses—from independent cafes and boutiques to creative services and retail outlets. Key areas like Southbourne Grove, Southbourne Crossroads, and Tuckton are known for their commercial presence, with a mix of local businesses and service providers thriving in these locations.
Whether you’re considering opening a shop or office in these high-traffic areas, or looking to invest in commercial property for rent or expansion, Southbourne offers plenty of opportunities for growth.
2. Excellent Transport Links
Southbourne enjoys excellent transport links, with easy access to Bournemouth town centre, Christchurch, and the broader Dorset area. It’s well-served by local buses and has direct links to the A338 for quick connections to the M27 and M3. This makes it a great location for businesses that rely on quick access to transport for both staff and customers.
3. Attractive Property Market
The commercial property market in Southbourne is competitive, offering a range of commercial spaces to suit various business needs. From retail units to office spaces, there are plenty of opportunities for business owners looking for properties that suit their goals. Southbourne’s mix of coastal appeal and residential proximity makes it an ideal location for businesses that want to be part of a growing community.
Types of Commercial Mortgages Available in Southbourne
When considering a commercial mortgage in Southbourne, it’s essential to understand the different options available to you. Below are the types of commercial mortgages we can help you secure:
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1. Owner Occupier Commercial Mortgages
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For businesses seeking to purchase a property for their own use, such as an office, shop, or restaurant, an owner occupier commercial mortgage is the most common option. Typically requiring a 20-40% deposit, this type of mortgage allows businesses to own the property they operate from, giving them greater control over their premises.
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2. Landlord Commercial Mortgages
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If you're considering buying commercial property with the intention of renting it out to other businesses, a landlord commercial mortgage might be suitable. Typically requiring a 25% or 35% deposit, this mortgage allows you to invest in rental properties, with the rental income helping to offset the mortgage costs.
Key Considerations for Securing a Commercial Mortgage in Southbourne
When securing a commercial mortgage in Southbourne, there are several important factors to keep in mind:
1. Property Location
The location of your commercial property is crucial. Southbourne’s appeal lies in its accessibility to local amenities, close proximity to the coast, and strong community presence. Whether you are purchasing property for a retail shop or office space, it’s important to ensure your property is well-connected to customers and suppliers. Areas like Southbourne Grove, Southbourne Crossroads, and Tuckton are well-known for their commercial presence and high foot traffic.
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2. Business Viability
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Lenders will want to see that your business is financially healthy and has a clear plan for growth. If you're purchasing property in Southbourne, be sure to demonstrate how your business will contribute to the local economy and how it will thrive in the community.
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3. Deposits and Loan-to-Value Ratios
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For most commercial mortgages, you’ll need a deposit of 20-40%, depending on the property and your business’s financial profile. Make sure you have these funds available, as they are a critical part of securing financing for your business.
4. Interest Rates
Commercial mortgage rates vary depending on factors such as the loan amount, term length, and your business’s financial health. It’s important to shop around and compare rates from different lenders to secure the best deal for your business.
5. Local Council Support
Some lenders offer specialised loans for businesses purchasing property in areas targeted for regeneration or business growth. Bournemouth is a growing community with an active local council, so be sure to check if there are any local schemes that could support your commercial mortgage.
Why Choose Bournemouth Mortgages?​​​
Bournemouth Mortgages is based right here in Southbourne and we specialise in helping businesses in Southbourne and surrounding areas secure the best commercial mortgage to meet their needs. Whether you're looking to buy your first commercial property, refinance, or expand your current business, we offer expert advice, whole-market access to mortgage deals, and a local perspective that ensures your business is well-supported.
Ready to get started?
Ready to secure your commercial mortgage in Southbourne?
Contact Bournemouth Mortgages today for a free consultation, and let us help you find the right mortgage solution to achieve your business goals.
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Call 01202 985214 or send us your details.