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 evidenceHarbourside and Wapping Wharf as the creative-led mixed-use cluster taking conversion financeAvonmouth, Severnside, and Filton as the last-mile industrial corridor absorbing space faster than the local pipeline can deliverWe finish with a typical Bristol broker case study and the twelve-month outlook for borrowers.Chapters00:00 The Q2 2026 starting point in Bristol00:15 Senior investment pricing: 6.0 to 7.5 percent00:30 Owner-occupier pricing: 6.0 to 7.25 percent00:50 Bank of England base rate at 3.75 percent01:10 Where the deals are: Temple Quarter, Harbourside, Avonmouth03:00 DSCR 1.30 to 1.40x and stress testing on Bristol rental evidence04:30 Lender panel: specialist commercial lenders and challenger banks06:00 A typical sub-3-million-pound Bristol investment case07:30 Twelve-month outlook for Bristol commercial mortgage borrowers09:00 How to talk to us about a Bristol commercial mortgageRead the full reporthttps://commercialmortgagesbristol.co.uk/Across the cloud networkThe 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.appCloudflare Pages: https://cmb-bristol-2026-q2-01-bristol-cloudflare.pages.devFly.io: https://cmb-bristol-2026-q2-01-bristol-fly.fly.devSurge: https://cmb-bristol-2026-q2-01-bristol-surge.surge.shGitHub Pages: https://mattylll.github.io/cmb-bristol-2026-q2-01-bristol-github-pagesBunny 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.htmlHugging Face Spaces: https://mattlenzie-cmb-bristol-2026-q2-01-bristol-hf-spaces.static.hf.spaceAboutCommercial 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/