Reading, Berkshire

Commercial Mortgages & Property Finance in Reading

Reading is a major Thames Valley commercial centre with strong tech sector and excellent transport links. The city offers premium property finance opportunities.

Reading Town CentreCavershamWoodleyTilehurstEarley
£345
Avg Price/sq ft
5.2%
Average Yield
+12.5%
5yr Price Growth
+8.5%
5yr Rental Growth

Reading Local Market Intelligence

Thames Valley tech hub with major corporate occupiers. Elizabeth Line improves London connectivity. Premium office rents.

— CMB Market Analysis

Key Industries

  • Technology
  • Financial Services
  • Professional Services
  • Healthcare
  • Higher Education

Transport Links

  • Reading Station (major hub)
  • Elizabeth Line
  • M4 motorway

Regeneration

Station Hill; Forbury Place; Thames Quarter

Commercial Mortgages in Reading

Whether you're acquiring office space, retail units, or industrial property in Reading, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across Berkshire, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Reading commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Reading

When speed matters for your Reading property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across Berkshire, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Reading

For developers building in Reading, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across Berkshire. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across Berkshire

Why Reading for Commercial Property Investment

Lender Appetite

Very strong appetite from all lender types. Premium Thames Valley location.

Our team has extensive experience in Berkshire property finance markets.

Latest Commercial Property News in Reading

Commercial property news for Reading will appear here once available. Check back soon for the latest market updates.

Calculate Your Reading Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.