CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Cheltenham and Gloucestershire. 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 Cheltenham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“GCHQ and cyber security cluster unique national asset. Regency architecture attracts premium. Racing festival boosts hospitality.”
, CMB Market Analysis
GCHQ Benhall; town centre enhancement; brewery site
The Gloucestershire regional briefing covering Cheltenham and the wider region. Gloucestershire is a twin-anchor county where Cheltenham and Gloucester deliver 73% of all commercial activity, wrapped in 80% Cotswolds AONB coverage. Ten Acuitus prints frame the secondary yield band cleanly between 7.08% on Gloucester high-street retail and 11.20% on Cheltenham leisure.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
325 commercial sales in Cheltenham across the last 60 months, sourced from HM Land Registry Price Paid Data. 23 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Alstone Trading Estate, Unit 10e, Alstone Lane, Cheltenham
Neal'S House, Well Lane, Stow On The Wold, Cheltenham
Alstone Trading Estate, Unit 10b, Alstone Lane, Cheltenham
Alstone Trading Estate, Unit 10a, Alstone Lane, Cheltenham
3, Manor Park Business Centre, Swindon Village, Cheltenham
Dowmans Farmhouse, Coberley Road, Coberley, Cheltenham
Hathaway House, Cold Aston, Cheltenham
Hollyhock House, 50, Cheltenham Road, Winchcombe, Cheltenham
Washbrook House, Syde, Cheltenham
Portland House, Victoria Street, Bourton On The Water, Cheltenham
362, High Street, Cheltenham
Gratton House, Gratton Street, Cheltenham
Unit 10, Mead Park Industrial Estate, Cheltenham
Unit D2, Liddington Industrial Estate, Cheltenham
Glebe Barn, Little Rissington, Cheltenham
Highgate Farmhouse, Elkstone, Cheltenham
Hanover House, Montpellier Walk, Cheltenham
Warren Olde Worlde Restaurant, Sherborne Street, Bourton On The Water, Cheltenham
Astwood Business Park, Unit D4, Gloucester Road, Staverton, Cheltenham
Redwood House, Unit 2, Orchard Industrial Estate, Toddington, Cheltenham
Lords Of The Manor Hotel, Upper Slaughter, Cheltenham
Unit 16, Bamfurlong Industrial Park, Staverton, Cheltenham
The Spindles Pardon Hill Barn, Prescott, Gotherington, Cheltenham
Box Cottage, Maugersbury, Cheltenham
Upper Coberley Farm, Upper Coberley, Cheltenham
5 - 6, Isbourne Way, Winchcombe, Cheltenham
Jockey'S Cottage, 1, Chester Walk, Cheltenham
Quietways, Sevenhampton, Cheltenham
Quietways, Sevenhampton, Cheltenham
92, Winchcombe Street, Cheltenham
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 Cheltenham 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 Cheltenham. 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 Cheltenham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Cheltenham presents development opportunities linked to GCHQ Benhall. Growing demand from the Cyber Security 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 quality assets. Premium location recognised.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Cheltenham and the wider Gloucestershire region, from commercial property purchases to professional office relocations.
Commercial property news for Cheltenham will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Gloucestershire.
Commercial mortgage services available across Cheltenham and surrounding areas. View larger map
Recent sales, planning movement and market signals for Cheltenham, drawn from HM Land Registry data and local authority planning registers.
160 relevant planning applications are awaiting decision with Cheltenham Borough Council, proposing 21 units with an estimated gross development value of £4.8m.
Source: Cheltenham Borough Council planning register
HM Land Registry data shows 325 commercial property transactions in the Cheltenham area over the past 60 months, with a median sale price of £280k. 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 Box Cottage, Maugersbury, Cheltenham for £1,105,000 in Q1 2026, one of 3 commercial transactions recorded in the Cheltenham 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 Cheltenham, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Cheltenham 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 Gloucestershire.
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 Cheltenham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 325 commercial property transactions in Cheltenham during the most recent reporting window. The median commercial sale price is £279,775, with the middle 50% of deals between £196,000 and £500,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Cheltenham is £279,775. Smaller end deals (lower quartile) sit around £196,000, while larger transactions (upper quartile) reach £500,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Cheltenham.
The most active commercial sectors in Cheltenham (by recorded transaction count) are: office (10 transactions), industrial (6 transactions), agri (4 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 Cheltenham. 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 Cheltenham. We will review the asset, sector, deal structure and lender appetite specific to Cheltenham and come back with an indicative rate, LTV and term within 24 to 48 hours.