Thame, Oxfordshire

Commercial Mortgages & Property Finance in Thame

Thame is a prosperous South Oxfordshire market town with one of the widest high streets in England and a historic town hall in its centre. The town has won multiple awards for its high street, supports a thriving independent retail and hospitality scene, and hosts the famous Thame Food Festival. Its Chiltern Railways connection and M40 proximity ensure strong commuter appeal.

Thame Town CentreThame ParkMoretonTowerseySydenham
£330
Avg Price/sq ft
4.6%
Average Yield
+12.5%
5yr Price Growth
+8.8%
5yr Rental Growth

Thame Local Market Intelligence

Historic market town with strong weekly market. Quality independent retail. Growing events economy.

— CMB Market Analysis

Key Industries

  • Independent Retail & Food
  • Professional Services
  • Agriculture
  • Education
  • Technology

Transport Links

  • Haddenham & Thame Parkway station (Chiltern Railways to Marylebone, 40 mins)
  • A418 to Aylesbury/Oxford
  • M40 Junction 7/8 (6 miles)
  • B4012 to Princes Risborough

Regeneration

Thame town centre heritage conservation; Elms Park housing development; Thame Park Road area; Neighbourhood Plan community projects; cattle market site; Thame Leisure Centre

Commercial Mortgages in Thame

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

When speed matters for your Thame 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 Thame

For developers building in Thame, 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 Thame for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Thame

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

Calculate Your Thame Property Finance

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