Winchester, Hampshire

Commercial Mortgages & Property Finance in Winchester

Winchester is the historic capital of England and one of the UK's most desirable cities, with a magnificent cathedral, a leading independent school (Winchester College), and the Great Hall housing the Arthurian Round Table. The city consistently ranks among England's top places to live, and its commercial property market reflects this premium status with some of the highest values outside London and the South East's technology hubs.

Winchester City CentreStanmoreWeekeBadger FarmKings Worthy
£380
Avg Price/sq ft
4.5%
Average Yield
+13%
5yr Price Growth
+9.5%
5yr Rental Growth

Winchester Local Market Intelligence

Historic cathedral city with premium property values. Winchester University and College drive student sector. Affluent catchment supports quality retail.

— CMB Market Analysis

Key Industries

  • Education (University of Winchester, Winchester College)
  • Professional Services
  • Heritage & Tourism
  • Public Administration
  • Creative Industries

Transport Links

  • South Western Railway to London Waterloo (60 mins)
  • M3 Junction 9/10/11 (adjacent)
  • A34 to Newbury/Oxford
  • A31 to Alton/Guildford

Regeneration

Central Winchester Regeneration (former bus station site); Station Approach mixed-use; Silver Hill; Worthy Down MoD expansion; Bar End Park & Ride area; Bushfield Camp development

Commercial Mortgages in Winchester

Whether you're acquiring office space, retail units, or industrial property in Winchester, 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 Winchester 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 Winchester

When speed matters for your Winchester 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 Winchester

For developers building in Winchester, 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 Winchester for Commercial Property Investment

Lender Appetite

Very strong appetite for prime assets. Heritage buildings require specialist approach but well-supported.

Latest Commercial Property News in Winchester

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

Calculate Your Winchester Property Finance

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