Epsom, Surrey

Commercial Mortgages & Property Finance in Epsom

Epsom is famous worldwide for the Epsom Derby, run on Epsom Downs since 1780, and as the origin of Epsom salts (discovered in the local spring water). The town has a strong commercial centre with a mix of national and independent retailers, and its Zone 6 rail station provides fast services to London. Epsom's position between the M25 and the Surrey countryside attracts commuters and businesses alike.

Epsom Town CentreEwellStoneleighEpsom DownsLangley Vale
£380
Avg Price/sq ft
4.5%
Average Yield
+12%
5yr Price Growth
+8.5%
5yr Rental Growth

Epsom Local Market Intelligence

Affluent catchment with strong independent retail. Major hospital campus creates healthcare cluster. Racecourse drives hospitality sector.

— CMB Market Analysis

Key Industries

  • Professional Services
  • Retail
  • Healthcare (Epsom Hospital)
  • Education
  • Financial Services

Transport Links

  • Southern Railway to London Victoria/Waterloo (30 mins)
  • A24 to London/Dorking
  • A240 to Kingston
  • M25 Junction 9 (3 miles)

Regeneration

Epsom town centre plan; former hospital site development; Ashley Centre improvements; Upper High Street mixed-use; Longmead and Kiln Lane; Epsom Downs racecourse investment

Commercial Mortgages in Epsom

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

Our ex-banker team understands the Epsom 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 Epsom

When speed matters for your Epsom 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 Surrey, 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 Epsom

For developers building in Epsom, 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 Surrey. 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 Surrey

Why Epsom for Commercial Property Investment

Lender Appetite

Strong appetite from mainstream lenders. Quality retail and healthcare uses favoured.

Latest Commercial Property News in Epsom

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

Calculate Your Epsom Property Finance

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