CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Cirencester 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 Cirencester commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Capital of the Cotswolds with strong tourism. Royal Agricultural University nearby. Premium property market.”
, CMB Market Analysis
Cirencester town centre conservation area investment; Chesterton housing development; Royal Agricultural University campus expansion; Bathurst Estate managed growth; South Cerney lakes leisure destination
The Gloucestershire regional briefing covering Cirencester 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.
112 commercial sales in Cirencester across the last 60 months, sourced from HM Land Registry Price Paid Data. 36 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
The Old Manor House, Baunton, Cirencester
Aycote Barn, Rendcomb, Cirencester
Ranbury Farm Buildings, Barn One, London Road, Poulton, Cirencester
Court Lodge, Barn Way, Stratton, Cirencester
10, Wilkinson Road, Love Lane Industrial Estate, Cirencester
East Barn, Poole Keynes, Cirencester
Arragon House, High Street, South Cerney, Cirencester
Global Business Park, 14, Unit 10, Wilkinson Road, Cirencester
Peregrine House, Clearwater Village, Somerford Keynes, Cirencester
Five Mile House, Gloucester Road, Duntisbourne Abbots, Cirencester
Longwood Court, Chedworth House, Love Lane, Cirencester
Beechwood House, Washpool Lane, Kemble, Cirencester
202, Cirencester Business Park, Cirencester
Ranbury Farm Barns, Barn Two, London Road, Poulton, Cirencester
Ranbury Farm Barns, Barn Four, London Road, Poulton, Cirencester
Chance House, Main Street, Coln St Aldwyns, Cirencester
Chance House, Main Street, Coln St Aldwyns, Cirencester
40, Market Place, Cirencester
Minety Lake, Barn 44a, Lower Mill Estate, Somerford Keynes, Cirencester
Unit 1-6, Cirencester Office Park, Cirencester
Minety Lake, Barn Bs12a, Lower Mill Estate, Somerford Keynes, Cirencester
Minety Lake, Barn B43a, Mill Lane, Cirencester
Wildwood Park Office, Bluebell Drive, Cirencester
44 - 46, Elliott Road, Love Lane Industrial Estate, Cirencester
Castellum House, 4, South Way, Cirencester
Howells Mere, Barn B6a, Mill Lane, Somerford Keynes, Cirencester
Minety Lake, Barn B9a, Lower Mill Estate, Somerford Keynes, Cirencester
The Old School House, 6, The Avenue, Cirencester
The Elliott Centre, Unit 3, Elliott Road, Love Lane Industrial Estate, Cirencester
Carted Barn, High Street, South Cerney, Cirencester
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 Cirencester 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 Cirencester. 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 Cirencester fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Cirencester presents development opportunities linked to Cirencester town centre conservation area investment. Growing demand from the Agriculture & Land Management (RAU) 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. Cotswold premium recognised.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Cirencester and the wider Gloucestershire region, from commercial property purchases to professional office relocations.
Commercial property news for Cirencester 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 Cirencester and surrounding areas. View larger map
Recent sales, planning movement and market signals for Cirencester, drawn from HM Land Registry data and local authority planning registers.
228 relevant planning applications are awaiting decision with Cotswold District Council, proposing 714 units with an estimated gross development value of £314m.
Source: Cotswold District Council planning register
HM Land Registry data shows 112 commercial property transactions in the Cirencester area over the past 60 months, with a median sale price of £410k. 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 Aycote Barn, Rendcomb, Cirencester for £1,999,000 in Q4 2025, one of 4 commercial transactions recorded in the Cirencester 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 Cirencester, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Cirencester 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 Cirencester, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 112 commercial property transactions in Cirencester during the most recent reporting window. The median commercial sale price is £410,000, with the middle 50% of deals between £231,000 and £712,500. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Cirencester is £410,000. Smaller end deals (lower quartile) sit around £231,000, while larger transactions (upper quartile) reach £712,500 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Cirencester.
The most active commercial sectors in Cirencester (by recorded transaction count) are: office (16 transactions), agri (13 transactions), industrial (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 Cirencester. 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 Cirencester. We will review the asset, sector, deal structure and lender appetite specific to Cirencester and come back with an indicative rate, LTV and term within 24 to 48 hours.