About these sector dossiers

The UK Commercial Mortgages by Sector dossiers are a working reference produced by Matt Lenzie and the team at Commercial Mortgages Broker, the trading style of CMB Finance Ltd. We arrange UK commercial mortgages across every asset class covered on this site, from owner occupier industrial unit purchases under £500,000 to investment hotel portfolio refinances above £5m.

Why we publish these

UK commercial mortgage pricing varies more by sector and by underwriting story than borrowers usually expect. Two buildings on the same street at the same price can attract materially different LTVs and interest rates depending on whether the ground floor use is industrial, retail or hospitality, and whether the tenant covenant is strong or weak. Most public comparison sites do not reflect this granular reality. These dossiers aim to fill that gap with sector specific numbers and underwriting commentary.

The author

Matt Lenzie is the founder of CMB Finance Ltd, trading as Commercial Mortgages Broker. He has placed UK commercial mortgage cases across every asset class covered on this site, working with both high street challenger banks and specialist sector lenders. He also founded Construction Capital, a sister UK capital advisory brokerage focused on development finance, bridging and mezzanine.

About Commercial Mortgages Broker

Commercial Mortgages Broker is the trading style of CMB Finance Ltd, a UK commercial property finance brokerage. We work exclusively in the unregulated commercial property finance market, sourcing terms for owner occupier and investor clients across the UK from a panel of more than 90 commercial mortgage lenders.

What these dossiers are not

These pages are editorial reference, not financial advice. The rate ranges, LTV bands and lender appetite snapshots are indicative for the month of publication and change weekly. Any specific commercial mortgage transaction should be discussed with a broker or lender against the borrower's actual numbers, security and trading position.

Commercial mortgages are unregulated lending and fall outside the Financial Conduct Authority regulated mortgage perimeter. Commercial Mortgages Broker (CMB Finance Ltd) does not hold FCA authorisation because the products arranged are unregulated. Where a transaction would require FCA authorisation we refer the enquiry to a regulated firm.