Commercial Mortgages Bristol

The Q2 2026 commercial mortgage market in Bristol: A full walkthrough of pricing across the capital stack, lender appetite by sector, and the deals we are placing right now.

We cover senior investment commercial mortgages at 6.0 to 7.5 percent on 60 to 75 percent LTV, owner-occupier deals at 6.0 to 7.25 percent for trading businesses with two years of clean accounts, mezzanine at 11 to 14 percent, and bridging commercial at 0.55 to 0.80 percent per month. We unpack the DSCR norm of 1.30 to 1.40 times that the Bristol lender panel is asking for on investment cases, the ICR expectation of 130 to 140 percent on interest-only structures, and the 250 to 300 basis-point stress test above pay rate that most underwriters apply.

We walk through where the Bristol deals are actually flowing in Q2 2026:

• Temple Quarter and Glass Wharf as the prime office quarters setting the rent evidence
• Harbourside and Wapping Wharf as the creative-led mixed-use cluster taking conversion finance
• Avonmouth, Severnside, and Filton as the last-mile industrial corridor absorbing space faster than the local pipeline can deliver

We finish with a typical Bristol broker case study and the twelve-month outlook for borrowers.

Chapters

• 00:00 The Q2 2026 starting point in Bristol
• 00:15 Senior investment pricing: 6.0 to 7.5 percent
• 00:30 Owner-occupier pricing: 6.0 to 7.25 percent
• 00:50 Bank of England base rate at 3.75 percent
• 01:10 Where the deals are: Temple Quarter, Harbourside, Avonmouth
• 03:00 DSCR 1.30 to 1.40x and stress testing on Bristol rental evidence
• 04:30 Lender panel: specialist commercial lenders and challenger banks
• 06:00 A typical sub-3-million-pound Bristol investment case
• 07:30 Twelve-month outlook for Bristol commercial mortgage borrowers
• 09:00 How to talk to us about a Bristol commercial mortgage

Read the full report

https://commercialmortgagesbristol.co.uk/

Across the cloud network

The same Q2 2026 Bristol market outlook is published across our cloud network with a different angle per platform:

• Netlify: https://cmb-bristol-2026-q2-01-commercial-mortgages-bristol-market.netlify.app
• Cloudflare Pages: https://cmb-bristol-2026-q2-01-bristol-cloudflare.pages.dev
• Fly.io: https://cmb-bristol-2026-q2-01-bristol-fly.fly.dev
• Surge: https://cmb-bristol-2026-q2-01-bristol-surge.surge.sh
• GitHub Pages: https://mattylll.github.io/cmb-bristol-2026-q2-01-bristol-github-pages
• Bunny CDN: https://constructioncapital.b-cdn.net/cmb-bristol-2026-q2-01-bristol-bunny/
• Linode Object Storage: https://gb-lon-1.linodeobjects.com/cmb-bristol-2026-q2-01-bristol-linode/index.html
• Hugging Face Spaces: https://mattlenzie-cmb-bristol-2026-q2-01-bristol-hf-spaces.static.hf.space

About

Commercial Mortgages Bristol is a trading name of Lenzie Consulting Ltd, a UK specialist commercial mortgage and bridging finance broker. We work with owners, occupiers, and investors across the Bristol and City of Bristol commercial property markets.

We are not FCA-authorised. Commercial mortgages on commercial property are unregulated. Where regulated activity is required, we introduce to FCA-authorised firms.

For commercial mortgage enquiries in Bristol, visit https://commercialmortgagesbristol.co.uk/