Specialist commercial mortgage broker for trading companies in Camden, North London

Wikipedia describes Camden as having the seventh largest economy in the UK, with a number of major companies headquartered in the borough, and Google completing a major headquarters building at King's Cross. Camden Town Brewery is named as one of the newer businesses that have thrived here. The big corporates lease; the owner-occupiers we expect to hear from are the smaller firms around them.

Those include architects, design studios, publishers and media companies in Fitzrovia and Bloomsbury; solicitors and other professional firms near Holborn and Lincoln's Inn Fields; independent retailers, cafes, bars and music venues in Camden Town; and clinics, dental practices and estate agents in Hampstead and Belsize Park. Typical purchases are a period building used as offices, a shop with flats above, or a converted light industrial building. Our page on practice and franchise mortgages explains how lenders treat fee-earning firms.

There are no motorways in the borough and few stretches of dual carriageway, but three of London's main rail termini are lined up along Euston Road. Euston, St Pancras and King's Cross serve the West Coast, Midland and East Coast Main Lines and High Speed 1, linking Camden with the Midlands, the North, Scotland and, through Eurostar, with France, Belgium and the Netherlands. Since St Pancras International became the Eurostar terminus on 14 November 2007, the King's Cross Central development has transformed the land behind the stations.

For a business that buys here, that connectivity supports both staff recruitment and the value of the building if it is ever sold or let. Lenders take that into account, but they still lend on today's valuation and your company's accounts, not on what the next phase of regeneration might bring.

Indicative owner-occupier pricing is 6.0 to 7.5% a year, typically at 70 to 75% loan to value and up to 80% for strong cases, over 5 to 25 years, subject to status, accounts and valuation. Bars, restaurants and venues are assessed as trading businesses at an indicative 7.0 to 9.0%. Camden is in England, so SDLT applies at 0% up to £150,000, 2% from £150,001 to £250,000 and 5% above £250,000 on non-residential property (HMRC, rates as at October 2026; check the current rates before you buy).

Illustrative example. An architecture practice buys a freehold period office building for £2,000,000. A 75% loan is £1,500,000, leaving a £500,000 deposit. SDLT on £2,000,000 is £89,500, so the practice needs roughly £589,500 in cash before legal and valuation fees. Our guide to stamp duty on commercial property sets out the bands.

The local authority is Camden London Borough Council, and for planning policy purposes the London Plan places Camden in the Central London group of boroughs. Many buildings in the south and in Hampstead are old, and some sit in conservation areas or are listed, so the lender's solicitor will check the lawful use and any restrictions before completion. Mixed buildings with flats above are common and are treated as semi-commercial.

A Camden purchase is secured by a first legal charge lodged at HM Land Registry, frequently alongside a debenture over the company. Commercial lending to a limited company is unregulated and falls outside the FCA's regulated mortgage perimeter. Where a deal would be regulated, for example lending to a sole trader or individual, or a property where the borrower or a close family member will live in part of it, we refer it to an appropriately authorised firm. Our London business mortgages page covers neighbouring boroughs, including the City of London.