Hertford, Hertfordshire

Commercial Mortgages & Property Finance in Hertford

Hertford is the county town of Hertfordshire, set at the confluence of four rivers beneath its Norman castle. Despite being the county's administrative centre, Hertford has maintained a small-town character with a genuine market town feel, independent shops, and one of the most attractive town centres in the county. Its compact nature and conservation constraints limit commercial development but support premium values.

Hertford Town CentreHertford CastleBengeoHarthamWare
£290
Avg Price/sq ft
4.9%
Average Yield
+12.8%
5yr Price Growth
+9.2%
5yr Rental Growth

Hertford Local Market Intelligence

County town with castle. Strong independent retail. Premium residential.

— CMB Market Analysis

Key Industries

  • Public Administration (Herts County Council)
  • Professional Services
  • Independent Retail
  • Healthcare
  • Education

Transport Links

  • Greater Anglia to Liverpool Street (50 mins)/Moorgate
  • A414 to Harlow/Hemel Hempstead
  • A10 to London/Cambridge
  • Hertford East and North stations

Regeneration

Hertford town centre improvements; Hartham Common flood alleviation; Mill Road mixed-use area; former county council buildings repurposing; riverside path enhancements

Commercial Mortgages in Hertford

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

Our ex-banker team understands the Hertford 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 Hertford

When speed matters for your Hertford 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 Hertfordshire, 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 Hertford

For developers building in Hertford, 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 Hertfordshire. 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 Hertfordshire

Why Hertford for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Hertford

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

Calculate Your Hertford Property Finance

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