CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Harlow and Essex. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
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 Harlow commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Major life sciences and tech hub with GSK presence. Enterprise Zone attracting investment. Gilston development creating growth corridor.”
, CMB Market Analysis
Harlow Enterprise Zone; Gilston Garden Town; town centre improvements
The Essex regional briefing covering Harlow 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.
84 commercial sales in Harlow across the last 60 months, sourced from HM Land Registry Price Paid Data. 20 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
International House, Horsecroft Road, Harlow
Shield House, Elizabeth Way, Harlow
Unit E-F, West Side Business Centre, Harlow
Gilston Park House, The Brew House 13, Gilston Park, Gilston, Harlow
Unit 7, Ash Industrial Estate, Harlow
River House, River Way, Harlow
St. George House, Parkway, Harlow
Plot R1, Maypole Boulevard, Harlow Innovation Park, Harlow
5, Unit, Passadena Industrial Estate North Place, Harlow
Principle House, The Fairway, Harlow
Tye Green Sub Depot, Bush Fair, Harlow
Adams House, 14-15, Harlow
Adams House, 10-15, Harlow
Gilston Park House, The Garden House 10, Gilston Park, Gilston, Harlow
Churchgate Manor Hotel, Churchgate Street, Harlow
West Side Business Centre, Unit A, Flex Meadow, Harlow
Elm House, Matching Green, Harlow
Merlin House, Unit 3, West Road, Harlow
Old Farm House, Farm Close, Roydon, Harlow
Premier Inn, Cambridge Road, Harlow
15, Burnt Mill, Harlow
54, The Downs, Harlow
Ashview, Hamlet Hill, Roydon, Harlow
11, Harold Close, Harlow
Little Park, Gilston Lane, Gilston, Harlow
11, Larkswood, Harlow
Grainstore, 2, Carters Green, Matching, Harlow
107a, Fullers Mead, Harlow
23, Altham Grove, Harlow
21, Burnt Mill, Harlow
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 Harlow 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 Harlow. 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 Harlow fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Harlow presents development opportunities linked to Harlow Enterprise Zone. Growing demand from the Technology sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Good appetite for tech and pharma-linked properties. Development finance active.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Harlow and the wider Essex region, from tech workspace conversions to laboratory and research space.
Commercial property news for Harlow 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 Harlow and surrounding areas. View larger map
Recent sales, planning movement and market signals for Harlow, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 84 commercial property transactions in the Harlow area over the past 60 months, with a median sale price of £290k. 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 International House, Horsecroft Road, Harlow for £10,000,000 in Q4 2025, one of 5 commercial transactions recorded in the Harlow 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 Harlow, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Harlow 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 Harlow, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 84 commercial property transactions in Harlow during the most recent reporting window. The median commercial sale price is £290,000, with the middle 50% of deals between £200,000 and £400,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Harlow is £290,000. Smaller end deals (lower quartile) sit around £200,000, while larger transactions (upper quartile) reach £400,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Harlow.
The most active commercial sectors in Harlow (by recorded transaction count) are: office (14 transactions), industrial (2 transactions), hotel (2 transactions). 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 Harlow. 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 Harlow. We will review the asset, sector, deal structure and lender appetite specific to Harlow and come back with an indicative rate, LTV and term within 24 to 48 hours.