Oxted, Surrey

Commercial Mortgages & Property Finance in Oxted

Oxted is a small Surrey town on the Southern Railway line to East Croydon and London, sitting on the Greensand Ridge with views of the Weald. The Old Town on the hill has medieval origins, while the newer Station Road area developed with the railway. The town serves an affluent rural catchment in the Tandridge district between the M25 and the Sussex border.

Oxted Town CentreLimpsfieldHurst GreenTandridgeCrowhurst
£365
Avg Price/sq ft
4.5%
Average Yield
+11%
5yr Price Growth
+7.8%
5yr Rental Growth

Oxted Local Market Intelligence

Premium commuter town with excellent rail links. Strong independent retail. Quality schools drive demand.

— CMB Market Analysis

Key Industries

  • Professional Services
  • Retail
  • Education
  • Healthcare
  • Financial Services

Transport Links

  • Southern Railway to East Croydon (20 mins)/London Bridge
  • A25 to Godstone/Sevenoaks
  • M25 Junction 6 (3 miles)
  • B269 to Edenbridge

Regeneration

Limited due to Green Belt; Oxted town centre improvements; Ellice Road development; Old Oxted conservation; Master Park housing; community facilities; Tandridge DC growth strategy

Commercial Mortgages in Oxted

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

When speed matters for your Oxted 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 Oxted

For developers building in Oxted, 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 Oxted for Commercial Property Investment

Lender Appetite

Strong appetite for quality properties.

Latest Commercial Property News in Oxted

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

Calculate Your Oxted Property Finance

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