Harrow, Greater London

Commercial Mortgages in Harrow

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Harrow and Greater London.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£345
Avg Price/sq ft
5.6%
Average Yield
+12.8%
5yr Price Growth
+8.5%
5yr Rental Growth

Why Choose CMB in Harrow

Direct relationships with executives and board members of the UK's leading lenders

Ex-Banking Background

Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out

Board-Level Access

Direct relationships with lender decision-makers for faster approvals and better terms

£300M+ Track Record

Proven success arranging complex commercial property finance across the UK

Harrow Local Market Intelligence

Stable suburban market with consistent local occupier demand. Healthcare and education sectors particularly active.

— CMB Market Analysis

Key Industries

  • Retail
  • Healthcare
  • Education
  • Professional Services
  • Food & Hospitality

Transport Links

  • Metropolitan line
  • Bakerloo line
  • Overground
  • A404 corridor

Regeneration

Harrow town centre intensification; Wealdstone regeneration with residential towers

Harrow Commercial Property Market Data

Commercial Property Values in Harrow

Property TypePrime / Grade ASecondaryMarket Range
Office£67 psf£29 psf£29 - £67 psf
Retail / Shop£151 psf£66 psf£66 - £151 psf
Industrial£25 psf£16 psf£16 - £25 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Harrow

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Harrow Market Trends

Office Vacancy
Falling
Industrial Demand
Strong
Retail Footfall
Declining
Residential Investment
Strong
Dominant sector:Office & Professional Services

Investor appetite for Harrow commercial property remains strong, with office & professional services assets attracting the most interest.

Recent Commercial Property Transactions in Harrow

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ1 2026

Refurbished office space, Stanmore

11,738 sq ft
£323,000 - £357,000
£29 psf5.5% yield
RetailQ4 2025

Lock-up shop unit, Pinner

2,125 sq ft
£135,000 - £149,000
£67 psf2.6% yield
IndustrialQ4 2025

Industrial workshop with office, Stanmore

11,264 sq ft
£171,000 - £189,000
£16 psf4.8% yield
Pub/RestaurantQ3 2025

Licensed premises with flat above, Edgware Road

£380,000 - £420,000
6.5% yield
Care HomeQ3 2025

29-bed care home, recently refurbished, Wealdstone

29 beds
£3,120,000 - £3,450,000
5.5% yield
Development SiteQ3 2025

Permitted development opportunity, Harrow Town Centre

4 units
£250,000 - £275,000
Mixed-UseQ4 2025

Shop with maisonette above, town centre

2,690 sq ft
£1,503,000 - £1,661,000
£588 psf5.1% yield
HotelQ1 2026

114-bedroom serviced accommodation, Edgware Road

114 rooms
£15,360,000 - £16,980,000
5.2% yield

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

Our Services in Harrow

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions — decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects — structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

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 Harrow. 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 Profile

Why Harrow for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 5.6% across the local market
  • 12.8% property price growth over the past five years
  • 8.5% rental growth over five years supporting income returns
  • Strong occupier demand from Retail and Healthcare sectors
  • Excellent transport connectivity including Metropolitan line
  • Active regeneration programmes driving future capital growth

Development Opportunities

Harrow presents development opportunities linked to Harrow town centre intensification. Growing demand from the Retail sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.

Lender Appetite

Steady appetite for established uses. Healthcare and education-related properties particularly favoured.

Property Types We Finance

Retail UnitsHigh Street ShopsShopping CentresMedical/Dental PracticesCare HomesEducational FacilitiesStudent AccommodationOffice Space

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Harrow and the wider Greater London region, from retail unit purchases to healthcare property investments.

Why Invest in Harrow

Harrow in North West London offers suburban commercial property with strong local occupier demand. The commercial property market benefits from strong demand across Retail, Healthcare, Education sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 5.6% and 12.8% price growth over five years, Harrow offers compelling returns for commercial property investors. Excellent connectivity via Metropolitan line supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Harrow town centre intensification, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

High entry costs and intense competition for prime assets remain key challenges. Planning restrictions in conservation areas and limited development land require specialist financing knowledge and strong lender relationships.

Notable Developments

Harrow's commercial property landscape has been shaped by Harrow town centre intensification. Growth in the Retail sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

The local planning authority for Harrow operates within Greater London, with policies that support sustainable commercial development and town centre vitality. The local plan identifies key development sites and employment areas, and the council has demonstrated a pragmatic approach to commercial property applications.

Latest Commercial Property News in Harrow

Commercial property news for Harrow will appear here once available. Check back soon for the latest market updates.

Harrow Commercial Mortgage Calculator

Pre-populated with local market data

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Harrow Location

Commercial mortgage services available across Harrow and surrounding areas. View larger map

Harrow Commercial Property FAQ

What is the average office rent per square foot in Harrow?

Office rents in Harrow range from approximately £29 per square foot for secondary space up to £67 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £54 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Harrow?

Investment yields in Harrow vary by property type and grade. Current indicative yields are: offices at 3.83%-5.35%, retail at 3.03%-5.57%, industrial at 4.4%-4.72%, residential single-let at 3.64%, HMOs at 5.95%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Harrow?

Harrow's commercial property market includes offices, retail units, industrial premises, residential investment blocks, care homes, hotels and guest houses, pubs and restaurants. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

How much does a residential investment block cost in Harrow?

Residential investment blocks in Harrow typically trade at around £553,800 per unit, or approximately £825 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 3.64%, with HMO conversions achieving up to 5.95%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What are HMO yields in Harrow?

HMO investments in Harrow can achieve yields of approximately 5.95%, compared to 3.64% for standard single-let properties. Harrow has established HMO demand in key residential areas. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.

What is the average price per bed for care homes in Harrow?

Care homes in Harrow typically trade at around £109,640 per registered bed. A typical 51-bed home would therefore be valued between £2.2m and £6.6m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.

Ready to discuss your Harrow project?

Speak with our specialist team today and get a decision in principle within 48 hours.