CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Havering and Greater London. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Havering commercial property delivers 6.2% average yield.
Havering yields sit above the UK commercial average, supporting income-driven debt structures and SPV-led acquisitions.
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 Havering commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Elizabeth Line improving accessibility and values. Industrial demand strong near A13 corridor for distribution uses.”
, CMB Market Analysis
Romford town centre regeneration; Rainham industrial expansion; Bridge Close development
The Greater London regional briefing covering Havering and the wider region. A Q2 2026 commercial property briefing on Greater London, the deepest and most actively traded commercial market in the United Kingdom, where prime central assets clear below five percent and outer-borough secondary stock trades through six, eight, even ten percent. We walk through transaction volumes across thirty-seven boroughs and named submarkets, recent Acuitus auction prints between roughly four and ten and a half percent, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
116 commercial sales in Havering across the last 60 months, sourced from HM Land Registry Price Paid Data. 17 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
2a, Broadway Parade, Hornchurch
Willow Parade, 11, Moor Lane, Upminster
4, Broadway Parade, Hornchurch
Plot 2a, Prospect Road, Hornchurch
26, Elm Parade Shops, Elm Park, Hornchurch
Plot 8, Prospect Road, Hornchurch
Plot 1, Prospect Road, Hornchurch
12, Easter Industrial Park, Rainham
6, Elm Parade Shops, Hornchurch
2, Blackwater Close, Fairview Industrial Park, Rainham
Plot 2, Prospect Road, Hornchurch
Plot 10, Prospect Road, Hornchurch
Unit 11, Deans Factory Estate, Rainham
Plot 3, Prospect Road, Hornchurch
Unit A5-A8, Dovers Corner Industrial Estate, Rainham
15, Tadworth Parade, Hornchurch
Plot 14, Prospect Road, Hornchurch
69, Wingletye Lane, Hornchurch
427a, Upminster Road North, Rainham
356, Wingletye Lane, Hornchurch
12, Mendip Road, Hornchurch
41a, Upminster Road South, Rainham
47, Frimley Avenue, Hornchurch
178, St Mary'S Lane, Upminster
427, Upminster Road North, Rainham
37, Newtons Close, Rainham
1, Dewey Path, Hornchurch
13, Edwin Close, Rainham
Garages, 1 - 6, Cromer Road, Hornchurch
20, Cranham Gardens, Upminster
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 Havering 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 Havering. 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 Havering fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Havering presents development opportunities linked to Romford town centre regeneration. 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.
Good appetite for industrial and logistics. Residential development supported; selective on retail.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Havering and the wider Greater London region, from retail unit purchases to logistics facility financing.
Each Havering submarket has its own lender appetite, yield band and tenant mix. Click through for the local-level detail.
Romford is a well-established neighbourhood within Havering, balancing residential calm with a lively local commercial scene. Its high street and adjo...
View detailsWithin Havering, Hornchurch has carved out a reputation as a self-contained neighbourhood with its own commercial identity. Independent retailers, foo...
View detailsUpminster contributes a distinctive chapter to Havering's commercial landscape. Local shops and service businesses line the main roads, while side str...
View detailsSitting within the London Borough of Havering, Rainham blends everyday commerce with a growing reputation for independent food and lifestyle businesse...
View detailsHarold Hill occupies a leafy corner of Havering where residential amenity meets steady commercial demand. Local parades and neighbourhood centres cate...
View detailsCommercial property news for Havering will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Greater London.
Commercial mortgage services available across Havering and surrounding areas. View larger map
Recent sales, planning movement and market signals for Havering, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 116 commercial property transactions in the Havering area over the past 60 months, with a median sale price of £385k. 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 356, Wingletye Lane, Hornchurch for £1,650,000 in Q4 2025, one of 7 commercial transactions recorded in the Havering 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 Havering, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Havering 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 Greater London.
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 Havering, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 116 commercial property transactions in Havering during the most recent reporting window. The median commercial sale price is £385,000, with the middle 50% of deals between £270,000 and £470,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Havering is £385,000. Smaller end deals (lower quartile) sit around £270,000, while larger transactions (upper quartile) reach £470,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Havering.
The most active commercial sectors in Havering (by recorded transaction count) are: land (7 transactions), retail (6 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 Havering. 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 Havering. We will review the asset, sector, deal structure and lender appetite specific to Havering and come back with an indicative rate, LTV and term within 24 to 48 hours.