Hitchin, Hertfordshire

Commercial Mortgages & Property Finance in Hitchin

Hitchin is one of the most attractive market towns in Hertfordshire, with a medieval street plan, a beautiful Lavender Farm (the largest in England), and a thriving independent retail and dining scene. The town's Saturday market has traded since the 14th century, and its Churchgate area with the River Hiz is particularly charming. Strong community activism has successfully protected its character.

Hitchin Town CentreWalsworthPurwellHighburyPriory
£305
Avg Price/sq ft
4.8%
Average Yield
+13.5%
5yr Price Growth
+9.5%
5yr Rental Growth

Hitchin Local Market Intelligence

Historic market town with strong independent retail. Premium residential market. Growing appeal for London commuters.

— CMB Market Analysis

Key Industries

  • Independent Retail & Hospitality
  • Professional Services
  • Agriculture (lavender)
  • Technology
  • Healthcare

Transport Links

  • Great Northern to King's Cross (30 mins)/Cambridge
  • A1(M) Junction 8 (2 miles)
  • A505 to Luton/Royston
  • A602 to Stevenage

Regeneration

Hitchin town centre heritage conservation; Churchgate and riverside improvement; Priory Quarter; Bancroft area enhancement; Lavender Farm visitor expansion; Highover Farm housing

Commercial Mortgages in Hitchin

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

When speed matters for your Hitchin 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 Hitchin

For developers building in Hitchin, 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 Hitchin for Commercial Property Investment

Lender Appetite

Strong appetite for quality town centre properties.

Latest Commercial Property News in Hitchin

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

Calculate Your Hitchin Property Finance

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