Cirencester, Gloucestershire

Commercial Mortgages & Property Finance in Cirencester

Cirencester is the 'Capital of the Cotswolds', founded as Roman Corinium Dobunnorum and once Britain's second-largest city. Today it is a prosperous market town with a magnificent medieval church, the Corinium Museum, and one of the finest high streets in England. The Royal Agricultural University adds an academic dimension, and Cirencester Park polo ground attracts an affluent clientele.

Cirencester Town CentreChestertonStrattonThe BeechesCotswold Water Park
£310
Avg Price/sq ft
4.8%
Average Yield
+12.5%
5yr Price Growth
+8.8%
5yr Rental Growth

Cirencester Local Market Intelligence

Capital of the Cotswolds with strong tourism. Royal Agricultural University nearby. Premium property market.

— CMB Market Analysis

Key Industries

  • Agriculture & Land Management (RAU)
  • Professional Services
  • Independent Retail
  • Tourism & Heritage
  • Hospitality

Transport Links

  • A417/A419 to M4/M5 (Swindon 15 miles/Gloucester 18 miles)
  • A429 Fosse Way to Stow/Warwick
  • A433 to Tetbury/M4 Junction 18
  • No direct rail (nearest: Kemble, 4 miles, GWR to Paddington)

Regeneration

Cirencester town centre conservation area investment; Chesterton housing development; Royal Agricultural University campus expansion; Bathurst Estate managed growth; South Cerney lakes leisure destination

Commercial Mortgages in Cirencester

Whether you're acquiring office space, retail units, or industrial property in Cirencester, 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 Gloucestershire, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Cirencester 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 Cirencester

When speed matters for your Cirencester 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 Gloucestershire, 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 Cirencester

For developers building in Cirencester, 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 Gloucestershire. 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 Gloucestershire

Why Cirencester for Commercial Property Investment

Lender Appetite

Good appetite. Cotswold premium recognised.

Latest Commercial Property News in Cirencester

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

Also Serving Across Gloucestershire

We provide commercial mortgages, bridging finance, and development finance throughout Gloucestershire.

Commercial Finance Across the UK

Calculate Your Cirencester Property Finance

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