Dereham, Norfolk

Commercial Mortgages & Property Finance in Dereham

Dereham is the largest town in the Breckland district, serving as a commercial hub for mid-Norfolk's agricultural heartland. The town has a traditional market square, connections to the poet William Cowper, and the Mid-Norfolk Railway heritage line. Its central Norfolk position makes it a natural service centre, with more affordable commercial property than Norwich.

Dereham Town CentreToftwoodNorthgateNeatherdScarning
£140
Avg Price/sq ft
6%
Average Yield
+13.2%
5yr Price Growth
+10%
5yr Rental Growth

Dereham Local Market Intelligence

Central Norfolk market town with strong local economy. Agricultural services hub. Growing residential demand.

— CMB Market Analysis

Key Industries

  • Agriculture & Food Processing
  • Manufacturing
  • Retail
  • Healthcare
  • Logistics

Transport Links

  • A47 to Norwich (16 miles)/King's Lynn/Swaffham
  • B1146 to Fakenham
  • A1075 to Watton/Thetford
  • No direct rail (Mid-Norfolk Railway heritage only)

Regeneration

Dereham town centre improvements; Toftwood development area; Dereham Windmill restoration; Mid-Norfolk Railway tourism; local plan housing allocations; Neatherd Moor conservation

Commercial Mortgages in Dereham

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

Our ex-banker team understands the Dereham 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 Dereham

When speed matters for your Dereham 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 Norfolk, 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 Dereham

For developers building in Dereham, 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 Norfolk. 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 Norfolk

Why Dereham for Commercial Property Investment

Lender Appetite

Standard market town appetite.

Latest Commercial Property News in Dereham

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

Calculate Your Dereham Property Finance

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