Farnham, Surrey

Commercial Mortgages & Property Finance in Farnham

Farnham is one of Surrey's most attractive towns, with a Georgian streetscape, a Norman castle, and the historic Maltings complex that is one of the South's premier arts and entertainment venues. The town is also home to UCA (University for the Creative Arts) and has a thriving independent food and drink scene. Farnham was named Surrey's best place to live.

Farnham Town CentreWreccleshamBadshot LeaHaleRowledge
£370
Avg Price/sq ft
4.5%
Average Yield
+11.5%
5yr Price Growth
+8%
5yr Rental Growth

Farnham Local Market Intelligence

Attractive market town with strong independent retail. University of Creative Arts drives student accommodation. Quality of life attracts home-workers.

— CMB Market Analysis

Key Industries

  • Creative Arts & Design (UCA)
  • Independent Retail & Food
  • Professional Services
  • Tourism
  • Hospitality

Transport Links

  • South Western Railway to London Waterloo (55 mins)
  • A31 to Winchester/Guildford
  • A325 to Aldershot/Farnborough
  • A287 to Haslemere

Regeneration

Farnham town centre heritage conservation; East Street improvement; Brightwells Yard mixed-use development; Maltings cultural programme expansion; University for Creative Arts campus; Aldershot Road area

Commercial Mortgages in Farnham

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

When speed matters for your Farnham 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 Farnham

For developers building in Farnham, 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 Farnham for Commercial Property Investment

Lender Appetite

Strong appetite for quality heritage properties. Student accommodation and retail well-supported.

Latest Commercial Property News in Farnham

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

Calculate Your Farnham Property Finance

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