Chipping Norton, Oxfordshire

Commercial Mortgages & Property Finance in Chipping Norton

Chipping Norton is a handsome Cotswold market town on the edge of the AONB, known locally as 'Chippy' and nationally as the centre of the 'Chipping Norton Set' of politicians, media figures, and celebrities who live in the surrounding villages. The town has a thriving independent retail scene and the Chipping Norton Theatre, one of the smallest purpose-built theatres in the country.

Chipping Norton Town CentreOver NortonHook NortonGreat RollrightChadlington
£335
Avg Price/sq ft
4.6%
Average Yield
+11.5%
5yr Price Growth
+8%
5yr Rental Growth

Chipping Norton Local Market Intelligence

Gateway to Cotswolds. David Cameron set attracted celebrities. Strong independent retail and hospitality.

— CMB Market Analysis

Key Industries

  • Independent Retail & Hospitality
  • Agriculture
  • Tourism
  • Professional Services
  • Creative Industries

Transport Links

  • A44 to Oxford (20 miles)/Evesham
  • A361 to Banbury/Burford
  • A3400 to Stratford/Moreton
  • No direct rail (nearest: Kingham/Charlbury, GWR Cotswold Line)

Regeneration

Limited due to Cotswold conservation; Chipping Norton town centre heritage improvements; former Bliss Tweed Mill (converted to residential); Tank Farm housing; community facilities investment

Commercial Mortgages in Chipping Norton

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

When speed matters for your Chipping Norton 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 Chipping Norton

For developers building in Chipping Norton, 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 Chipping Norton for Commercial Property Investment

Lender Appetite

Strong appetite for Cotswold properties.

Latest Commercial Property News in Chipping Norton

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

Calculate Your Chipping Norton Property Finance

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