Banbury, Oxfordshire

Commercial Mortgages & Property Finance in Banbury

Banbury is a thriving North Oxfordshire market town famous for its Banbury Cross (of nursery rhyme fame), Banbury cakes, and one of Europe's largest livestock markets. The town has attracted significant food manufacturing investment (including JDE Peet's coffee and General Mills), and its M40 Junction 11 location and Chiltern Railways services make it a key commercial centre in the Oxford-Birmingham corridor.

Banbury Town CentreBanbury CrossGrimsburyHardwickBodicote
£225
Avg Price/sq ft
5.3%
Average Yield
+13.5%
5yr Price Growth
+10%
5yr Rental Growth

Banbury Local Market Intelligence

Historic market town on M40 corridor. Strong industrial and logistics base. Chiltern Rail links to London.

— CMB Market Analysis

Key Industries

  • Food & Drink Manufacturing
  • Motorsport (Banbury is Motorsport Valley)
  • Logistics
  • Retail
  • Professional Services

Transport Links

  • Chiltern Railways to London Marylebone (60 mins)
  • M40 Junction 11 (adjacent)
  • A422 to Brackley/Silverstone
  • A361 to Daventry

Regeneration

Banbury town centre masterplan; Canalside regeneration; Castle Quay waterfront extension; Bolton Road development; South West Banbury urban extension; Salt Way housing growth area

Commercial Mortgages in Banbury

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

Our ex-banker team understands the Banbury 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 Banbury

When speed matters for your Banbury 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 Oxfordshire, 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 Banbury

For developers building in Banbury, 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 Oxfordshire. 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 Oxfordshire

Why Banbury for Commercial Property Investment

Lender Appetite

Good appetite for commercial and industrial.

Latest Commercial Property News in Banbury

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

Calculate Your Banbury Property Finance

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