Totton, Hampshire

Commercial Mortgages & Property Finance in Totton

Totton is a large residential town on the western edge of Southampton and the gateway to the New Forest from the M27 motorway. The town functions as a dormitory and service centre with a major retail park, Eling Tide Mill (one of the few working tide mills in the world), and affordable commercial property compared to the New Forest and Southampton city centre.

Totton Town CentreRedbridgeCalmoreElingHounsdown
£210
Avg Price/sq ft
5.5%
Average Yield
+14%
5yr Price Growth
+10.5%
5yr Rental Growth

Totton Local Market Intelligence

Southampton suburb on New Forest edge. Strong employment base. Major retail and industrial areas.

— CMB Market Analysis

Key Industries

  • Retail
  • Manufacturing
  • Logistics
  • Healthcare
  • Marine Services

Transport Links

  • South Western Railway to Southampton (8 mins)/London (85 mins)
  • M27 Junction 2/3 (adjacent)
  • A326 to Fawley/Hythe
  • A35 to Lyndhurst/New Forest

Regeneration

Totton town centre improvement scheme; Eling Wharf mixed-use; Calmore housing; Eling Tide Mill heritage investment; Totton and Eling community campus; A326 corridor development

Commercial Mortgages in Totton

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

Our ex-banker team understands the Totton 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 Totton

When speed matters for your Totton 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 Hampshire, 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 Totton

For developers building in Totton, 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 Hampshire. 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 Hampshire

Why Totton for Commercial Property Investment

Lender Appetite

Good appetite for industrial and retail.

Latest Commercial Property News in Totton

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

Calculate Your Totton Property Finance

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