Oxford, Oxfordshire

Commercial Mortgages & Property Finance in Oxford

Oxford is a world-renowned university city with thriving life sciences and technology sectors. The city offers premium property finance opportunities in a constrained market.

City CentreOxford Science ParkHeadingtonCowleyJericho
£445
Avg Price/sq ft
4.2%
Average Yield
+14.5%
5yr Price Growth
+9.8%
5yr Rental Growth

Oxford Local Market Intelligence

World-class university and research. Life sciences cluster driving exceptional demand. Severely constrained supply supports ultra-premium values.

— CMB Market Analysis

Key Industries

  • Higher Education
  • Life Sciences
  • Technology
  • Publishing
  • Healthcare

Transport Links

  • Oxford Station mainline
  • Oxford Parkway
  • A34 corridor
  • M40 motorway

Regeneration

West End; Osney Mead; Oxford North

Commercial Mortgages in Oxford

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

When speed matters for your Oxford 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 Oxford

For developers building in Oxford, 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 Oxford for Commercial Property Investment

Lender Appetite

Very strong appetite for all quality assets. Premium innovation location.

Our team has extensive experience in Oxfordshire property finance markets.

Latest Commercial Property News in Oxford

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

Calculate Your Oxford Property Finance

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