Horsham, West Sussex

Commercial Mortgages & Property Finance in Horsham

Horsham is one of the most prosperous towns in West Sussex, with a historic Causeway lined with medieval timber-framed houses, a thriving cultural scene at the Capitol Theatre and Horsham Museum, and a strong independent retail economy. The town was historically an assize town and retains its county town gravitas, with RSA Insurance Group's headquarters adding corporate employment.

Horsham Town CentreBroadbridge HeathSouthwaterRoffeyHolbrook
£310
Avg Price/sq ft
4.7%
Average Yield
+12.5%
5yr Price Growth
+9%
5yr Rental Growth

Horsham Local Market Intelligence

RSA Insurance HQ location. Strong professional services sector. Quality market town with premium catchment.

— CMB Market Analysis

Key Industries

  • Insurance (RSA HQ)
  • Professional Services
  • Independent Retail
  • Technology
  • Healthcare

Transport Links

  • Southern Railway to London (55 mins)/Brighton
  • A24 to Dorking/Worthing
  • A264 to Crawley/Tunbridge Wells
  • A281 to Guildford

Regeneration

Horsham town centre improvements; Novartis former HQ site housing (Highwood); Foundry Lane health hub; North Horsham development (2,750 homes); Bishopric car park site; Forum and Piries Place

Commercial Mortgages in Horsham

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

Our ex-banker team understands the Horsham 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 Horsham

When speed matters for your Horsham 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 West Sussex, 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 Horsham

For developers building in Horsham, 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 West Sussex. 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 West Sussex

Why Horsham for Commercial Property Investment

Lender Appetite

Very strong appetite. Insurance sector provides excellent covenant. Quality retail favoured.

Latest Commercial Property News in Horsham

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

Calculate Your Horsham Property Finance

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