CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Witham 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 Witham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Historic market town. Good London rail links. Growing residential.”
, CMB Market Analysis
Maltings Lane development area; Witham town centre public realm improvements; Newlands Precinct enhancement; Grove Centre retail investment; Rivenhall housing expansion
The Essex regional briefing covering Witham 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.
37 commercial sales in Witham across the last 60 months, sourced from HM Land Registry Price Paid Data. 1 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Olivers Farm Industrial Estate, Unit 1, Maldon Road, Witham
22, Atlantic Square, Witham
6, Scarletts Close, Witham
67, Dunscombe Drive, Silver End, Witham
Boars Tye Garage, Boars Tye Road, Silver End, Witham
8, Freebournes Court, Witham
4, Atlantic Square, Witham
49, Braintree Road, Witham
32, Blunts Hall Road, Witham
14, Unit 4, Crittall Road, Witham
17, Randall Close, Witham
39 - 41, Newland Street, Witham
13, Newland Street, Witham
14, Unit 7, Freebournes Road, Witham
4a, The Street, Wickham Bishops, Witham
1, Green Mews, Silver End, Witham
The Chequers, 32, The Street, Wickham Bishops, Witham
14, Unit 2, Freebournes Road, Witham
1, Shortridge Court, Witham
2, Croft Way, Witham
2, Nightingale Close, Witham
Unit 1, Albert Way, Witham
6, Bellcroft, Witham
4, Dahl Close, Witham
4, Dahl Close, Witham
Badgers, London Road, Rivenhall, Witham
2, Grange Road, Wickham Bishops, Witham
Unit 3, Taber Place, Witham
Glebe Farm, Rectory Lane, Rivenhall, Witham
15, Garage, Sneezum Walk, Witham
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 Witham 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 Witham. 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 Witham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Witham presents development opportunities linked to Maltings Lane development area. Growing demand from the Professional Services 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 residential.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Witham and the wider Essex region, from professional office relocations to retail unit purchases.
Commercial property news for Witham 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 Witham and surrounding areas. View larger map
Data-grounded answers about commercial property finance in Witham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 37 commercial property transactions in Witham during the most recent reporting window. The median commercial sale price is £275,000, with the middle 50% of deals between £215,000 and £380,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Witham is £275,000. Smaller end deals (lower quartile) sit around £215,000, while larger transactions (upper quartile) reach £380,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Witham.
The most active commercial sectors in Witham (by recorded transaction count) are: industrial (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 Witham. 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 Witham. We will review the asset, sector, deal structure and lender appetite specific to Witham and come back with an indicative rate, LTV and term within 24–48 hours.