Southam, Warwickshire

Commercial Mortgages & Property Finance in Southam

Southam is a small Warwickshire market town in the Feldon countryside between Leamington Spa and Daventry. The town has a quiet residential character with a local high street and serves as a base for the surrounding agricultural area and the Southam cement works. Its position near the M40 and Gaydon (home to Aston Martin and JLR) gives it a wider economic context.

Southam Town CentreLong ItchingtonStocktonNaptonPriors Marston
£195
Avg Price/sq ft
5.2%
Average Yield
+13%
5yr Price Growth
+9.5%
5yr Rental Growth

Southam Local Market Intelligence

Historic market town in motorsport valley. Strong agricultural services. Growing residential.

— CMB Market Analysis

Key Industries

  • Cement & Quarrying
  • Agriculture
  • Retail
  • Automotive (Gaydon corridor)
  • Professional Services

Transport Links

  • A423 to Banbury/Coventry
  • A425 to Leamington Spa
  • M40 Junction 12 (5 miles)
  • No direct rail (nearest: Leamington Spa)

Regeneration

Southam town centre improvements; Southam cement works area; housing growth on eastern fringe; community facilities; Long Itchington Road development; Welsh Road East area

Commercial Mortgages in Southam

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

Our ex-banker team understands the Southam 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 Southam

When speed matters for your Southam 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 Warwickshire, 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 Southam

For developers building in Southam, 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 Warwickshire. 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 Warwickshire

Why Southam for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Southam

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

Calculate Your Southam Property Finance

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