The London Borough of Haringey is a north London borough, counted as Inner London by some definitions and Outer London by others. It was created in 1965 by amalgamating three former boroughs and covers more than 11 square miles, bordered clockwise from the north by Enfield, Waltham Forest, Hackney, Islington, Camden and Barnet. Landmarks include Alexandra Palace, Bruce Castle, Hornsey Town Hall, Jacksons Lane, Highpoint and Tottenham Hotspur Football Club. Wikipedia describes a borough of extreme contrasts, from prosperous Highgate, Muswell Hill and Crouch End in the west to Tottenham and Wood Green in the east.
We are a broker, not a lender. For Haringey companies that want to stop renting, or to refinance a building they already own, we arrange business mortgages secured on their trading premises. Being secured on commercial property, the loan is not a residential mortgage. We go through your figures and the building first, then put the case to the lenders whose criteria fit a north London small business.
Why is an owner-occupier mortgage a good fit for Haringey's small businesses?
Haringey's economy is built on small firms. Wikipedia records that in 2016 there were 12,150 businesses in the borough employing 66,000 people, 1.3% of all employment in London, and that 93.9% of those businesses employed fewer than 10 people. For a company of that size, owning its premises can fix a major cost, protect it from rent reviews and build an asset over time.
Typical purchases are a shop with a flat above on a high street, a small workshop or light industrial unit in the flatter east of the borough near the River Lea, or an office or clinic in a converted building. Builders, food businesses, cafes and restaurants, retailers, dentists and creative studios are all common. Our page on owner-occupier mortgages sets out what a lender asks of a small company buying its own space.
Garment makers, studios and shops in Tottenham and Wood Green
ONS UK Business Counts 2026, local units.
Show as a table
| Sector | Businesses | Haringey share | UK share |
|---|---|---|---|
| Professional, scientific and technical | 2,325 | 16.3% | 13.9% |
| Construction and building trades | 1,580 | 11.1% | 12.5% |
| Information and communication | 1,420 | 10% | 6.2% |
| Retail | 1,415 | 9.9% | 9.3% |
| Business support services | 1,145 | 8% | 8.1% |
| Restaurants, cafes and pubs | 925 | 6.5% | 6.2% |
| Property | 900 | 6.3% | 4.4% |
| Arts, sport and leisure | 810 | 5.7% | 3% |
| Personal and other services | 715 | 5% | 4.1% |
- 4.2xclothing manufacturing60 businesses
- 4.1xfilm, TV and music production665 businesses
- 3.6xcreative and performing arts560 businesses
- 2.1xgambling80 businesses
A figure of 2.0x means the trade makes up twice the share of local businesses that it does across the UK.
Haringey's 14,215 business units include a strong creative sector. Film, TV and music production runs at 4.1 times the UK share and creative and arts activities at 3.65 times. Clothing manufacture, centred on Tottenham, is at 4.16 times. Information and communication makes up 10% of firms.
With 91% of businesses employing fewer than ten people, most purchases are small units or shops. A garment maker buying a workshop is assessed on profit and the unit's resale appeal, and a modest price makes the deposit easier to raise.
Which Haringey shopping areas suit a commercial property loan?
Wikipedia names the principal shopping areas as Wood Green and Turnpike Lane, Muswell Hill, Crouch End, Harringay and Tottenham Hale. Each has a different character. The western centres on the high ground around Highgate and Muswell Hill are home to independent cafes, restaurants and boutiques in period parades, while Wood Green and Tottenham Hale carry larger retail and newer development.
Most high-street buildings here combine a shop with flats above. Lenders treat these as semi-commercial and fund them up to around 75% loan to value, at an indicative 6.5 to 8.5% a year, subject to status, accounts and valuation. If you or a close family member will live in the flat, the loan may become regulated. Our guide to semi-commercial premises explains how both parts are valued.
Haringey's office stock up by almost a third
Valuation Office Agency, non-domestic rating stock of properties, March 2026. Average rateable value is the VOA's estimate of annual rent, not a sale price.
- Industrial and warehouse1,920properties on the rating listUp 9.7% since 2016Average rateable value £28,700factories, workshops, warehouses and trade units
- Offices1,160properties on the rating listUp 31.8% since 2016Average rateable value £15,100offices, including converted buildings
- Shops and retail2,960properties on the rating listUp 0.7% since 2016Average rateable value £27,600shops, showrooms and retail warehouses
- Other commercial1,350properties on the rating listUp 3.1% since 2016Average rateable value £44,800pubs, hotels, surgeries, nurseries, garages and more
Haringey units from Olympia to Peacock Industrial Estate
Named estates and parks listed on Google Maps near Haringey, October 2026. Listed to show where premises trade locally; we have no connection with the owners or agents.
- Olympia Industrial EstateLondon N22 6TZ
- St George'S Industrial EstateUnit 6 White Hart Ln, London N22 5QL
- St Georges Industrial EstateLondon N22 5QL
- Bounds Green Industrial EstateLondon N11 2UD
- New Southgate Industrial EstateArnos Grove, London N11 1QD
- Brunswick Industrial EstateLondon N11 1JL
- Brunswick Park Industrial EstateLondon N11 1JL
- Peacock Industrial EstatePeacock Industrial Estate, 20 White Hart Ln, London N17 8DT
- Langhedge Industrial EstateLondon N18 2TQ
- Crusader Industrial EstateLondon N4 1LZ
- North London Business ParkOakleigh Rd S, London N11 1GN
- Rosebery Industrial ParkLondon N17 9SR
Office entries in Haringey rose 31.8% to 1,160, and industrial units grew 9.7% to 1,920. Shops held steady at 2,960. Values are modest by London standards: industrial units average a rateable value of £28,700 and offices £15,100. That makes Haringey one of the more accessible boroughs for a small firm buying its first premises.
What deposit does premises finance in Haringey, north London need?
For owner-occupiers, lenders in this market usually advance 70 to 75% of the lower of price and valuation at an indicative 6.0 to 7.5% a year over 5 to 25 years, subject to status, accounts and valuation. Arrangement fees run at 1 to 2%. Haringey is in England, so non-residential SDLT applies at 0% up to £150,000, 2% from £150,001 to £250,000 and 5% above £250,000 (HMRC, rates as at October 2026; check the current rates before you buy).
Illustrative example. A bakery company buys a freehold shop with a production area behind it for £500,000. A 75% loan is £375,000, so the deposit is £125,000. SDLT on £500,000 is £14,500, bringing the cash requirement to roughly £139,500 before legal and valuation fees. The stamp duty on commercial property guide shows the working.
How do transport and the growth corridor affect business property in Haringey, London?
Haringey sits within the growth corridor connecting London with Stansted, Cambridge and Peterborough. Its 16 stations include Tottenham Hale on the Victoria line and the Lea Valley Main Line, Seven Sisters on the Victoria line and the Overground, Wood Green, Turnpike Lane and Bounds Green on the Piccadilly line, and Hornsey, Harringay and Alexandra Palace on the East Coast Main Line. Good links make a building easier to sell or let, which a lender considers.
For any Haringey purchase, the planning authority's records must show a lawful use, and the lender registers a first legal charge over the property at HM Land Registry, frequently with a debenture from 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 the surrounding boroughs.
Business districts across Haringey
Wood Green and Turnpike Lane
Wood Green and Turnpike Lane form one of Haringey's principal shopping areas, served by Wood Green and Turnpike Lane stations on the Piccadilly line. Retailers, food businesses and service firms buy shop units here, often in buildings with flats above that are assessed as semi-commercial.
Tottenham and Tottenham Hale
Tottenham, home of Tottenham Hotspur Football Club and Bruce Castle, lies in the east of the borough on the low ground beside the River Lea. Tottenham Hale is a named shopping area with Victoria line and Lea Valley Main Line services. Workshops, trade premises and shops are the usual purchases.
Crouch End
Crouch End is one of the borough's prosperous western centres and a principal shopping area. Its high street of independent cafes, restaurants, boutiques and professional offices suits small firms buying a shop with accommodation above, the classic Haringey semi-commercial purchase.
Muswell Hill
Muswell Hill stands on the wooded high ground in the west, close to Alexandra Palace and Alexandra Park. Its shopping parades host independent retailers, restaurants and clinics, many in period buildings with flats above that lenders assess as semi-commercial.
Highgate
Highgate, shared with Camden, sits on the borough's highest ground and is home to Highpoint I and II and Jacksons Lane. Commercial property is limited to its village centre, where professional firms, cafes and specialist shops buy small premises. Older buildings are the norm, so surveys can take longer.
Harringay and Hornsey
Harringay, along Green Lanes, is a named shopping area with stations at Harringay and Harringay Green Lanes. Neighbouring Hornsey has Hornsey Town Hall and a station on the East Coast Main Line. Restaurants, food shops and small service businesses make up much of the commercial stock. Many have flats above and are funded as semi-commercial property.
