CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Grays and Essex. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Grays commercial property delivers 6.2% average yield.
Grays yields sit above the UK commercial average, supporting income-driven debt structures and SPV-led acquisitions.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Grays commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Strategic Thames Gateway location. Port of Tilbury and major logistics operators. Lakeside retail park nearby.”
, CMB Market Analysis
Grays town centre regeneration; South Grays housing; Thurrock Thameside regeneration; London Gateway Port (adjacent); Lakeside/West Thurrock mixed-use intensification; Purfleet-on-Thames
The Essex regional briefing covering Grays and the wider region. A Q2 2026 commercial property briefing on Essex, the largest commercial market in the East of England, anchored by Stansted Airport and the Harlow life-sciences spine, the DP World London Gateway logistics belt in the south, the A12 commuter corridor through Brentwood, Chelmsford and Colchester, and the Southend-on-Sea coastal economy. We walk through transaction volumes across the eleven principal towns, the five Acuitus auction lots that have surfaced over the rolling window, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
56 commercial sales in Grays across the last 60 months, sourced from HM Land Registry Price Paid Data. 11 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
1a, Kingston Parade, Grays
59, High Street, Grays
Europa Trading Estate, Unit 8-9, London Road, Grays
Hope House, 2, Cromwell Road, Grays
Daniels Public House, Longhouse Road, Grays
Europa Trading Estate, Unit 8-9, London Road, Grays
Sandy Lane Industrial Estate, Plot 6, Sandy Lane, Grays
Sandy Lane Industrial Estate, Plot 1, Sandy Lane, Grays
Bluebell Court Residential Home, Stanley Road, Grays
23, High Street, Grays
21, High Street, Grays
Spectrum Vehicle Repairs, Sandy Lane, West Thurrock, Grays
The Rabbits, 783, London Road, Grays
609, London Road, Grays
137, Lewes Close, Grays
12, Milton Road, Grays
10, The Retreat, Grays
Orscroft, Rectory Road, Orsett, Grays
28, Davis Road, Chafford Hundred, Grays
535, London Road, Grays
22, Celedon Close, Grays
279, Rectory Road, Grays
Euro Court, Units 3 And 4, Oliver Close, Grays
Euro Court, 10, Oliver Close, Grays
Euro Court, Unit 11, Oliver Close, Grays
The Gravel Pit, Unit 2, Sandy Lane, Chadwell St Mary, Grays
The Gravel Pit, Unit 4, Sandy Lane, Chadwell St Mary, Grays
The Gravel Pit, Unit 5, Sandy Lane, Chadwell St Mary, Grays
The Gravel Pit, Unit 7, Sandy Lane, Chadwell St Mary, Grays
The Gravel Pit, Unit 8, Sandy Lane, Grays
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
Three core debt structures cover the majority of Grays commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Grays. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileWhat makes Grays fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Grays presents development opportunities linked to Grays town centre regeneration. Growing demand from the Logistics & Distribution (Tilbury) sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Strong appetite for logistics. Town centre requires regeneration track record.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Grays and the wider Essex region, from commercial property purchases to development and refurbishment projects.
Commercial property news for Grays will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Essex.
Commercial mortgage services available across Grays and surrounding areas. View larger map
Recent sales, planning movement and market signals for Grays, drawn from HM Land Registry data and local authority planning registers.
65 relevant planning applications are awaiting decision with Thurrock Council, proposing 436 units with an estimated gross development value of £151m.
Source: Thurrock Council planning register
HM Land Registry data shows 56 commercial property transactions in the Grays area over the past 60 months, with a median sale price of £286k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of The Rabbits, 783, London Road, Grays for £475,000 in Q3 2025, one of 2 commercial transactions recorded in the Grays area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Grays, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Grays deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in Essex.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Grays, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 56 commercial property transactions in Grays during the most recent reporting window. The median commercial sale price is £286,000, with the middle 50% of deals between £210,000 and £360,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Grays is £286,000. Smaller end deals (lower quartile) sit around £210,000, while larger transactions (upper quartile) reach £360,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Grays.
The most active commercial sectors in Grays (by recorded transaction count) are: retail (4 transactions), industrial (4 transactions), office (1 transaction). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class. Speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Grays. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access, including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Grays. We will review the asset, sector, deal structure and lender appetite specific to Grays and come back with an indicative rate, LTV and term within 24 to 48 hours.