Havering, Greater LondonLocal lender appetite and market data

Specialist Commercial Mortgage Broker in Havering

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.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£285
Avg Price/sq ft
6.2%
Average Yield
+15.8%
5yr Price Growth
+10.5%
5yr Rental Growth

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.

Havering commercial mortgage brokers, ex-bankers with direct lender access

CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial 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

Havering commercial property market signals

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

Key Industries

  • Retail
  • Logistics
  • Manufacturing
  • Healthcare
  • Automotive

Transport Links

  • Elizabeth Line
  • District line
  • C2C rail
  • A12 and A13 corridors

Regeneration

Romford town centre regeneration; Rainham industrial expansion; Bridge Close development

Listen: Greater London Q1 2026 commercial property briefing

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.

HMLR transaction evidence

Havering commercial property transaction evidence

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.

Source sales
116
60-month window
Shown below
30
recent examples
Filter transaction evidence
All commercial transactions in Havering
116transactions
Sample: showing 30 recent sales below
RetailQ4 2025

2a, Broadway Parade, Hornchurch

Sale price
£385,000
RetailQ3 2025

Willow Parade, 11, Moor Lane, Upminster

Sale price
£275,000
RetailQ3 2025

4, Broadway Parade, Hornchurch

Sale price
£380,000
Land / PlotsQ3 2025

Plot 2a, Prospect Road, Hornchurch

Sale price
£85,000
RetailQ3 2025

26, Elm Parade Shops, Elm Park, Hornchurch

Sale price
£525,000
Land / PlotsQ2 2025

Plot 8, Prospect Road, Hornchurch

Sale price
£25,000
Land / PlotsQ2 2025

Plot 1, Prospect Road, Hornchurch

Sale price
£45,000
IndustrialQ2 2025

12, Easter Industrial Park, Rainham

Sale price
£600,000
RetailQ2 2025

6, Elm Parade Shops, Hornchurch

Sale price
£1,000
IndustrialQ2 2025

2, Blackwater Close, Fairview Industrial Park, Rainham

Sale price
£720,000
Land / PlotsQ2 2025

Plot 2, Prospect Road, Hornchurch

Sale price
£100,000
Land / PlotsQ1 2025

Plot 10, Prospect Road, Hornchurch

Sale price
£60,000
IndustrialQ1 2025

Unit 11, Deans Factory Estate, Rainham

Sale price
£360,000
Land / PlotsQ1 2025

Plot 3, Prospect Road, Hornchurch

Sale price
£30,000
IndustrialQ4 2024

Unit A5-A8, Dovers Corner Industrial Estate, Rainham

Sale price
£7,600,000
RetailQ4 2024

15, Tadworth Parade, Hornchurch

Sale price
£40,000
Land / PlotsQ4 2024

Plot 14, Prospect Road, Hornchurch

Sale price
£50,000
CommercialQ1 2026

69, Wingletye Lane, Hornchurch

Sale price
£495,000
CommercialQ4 2025

427a, Upminster Road North, Rainham

Sale price
£270,000
CommercialQ4 2025

356, Wingletye Lane, Hornchurch

Sale price
£1,650,000
CommercialQ4 2025

12, Mendip Road, Hornchurch

Sale price
£545,000
CommercialQ4 2025

41a, Upminster Road South, Rainham

Sale price
£175,000
CommercialQ4 2025

47, Frimley Avenue, Hornchurch

Sale price
£420,000
CommercialQ4 2025

178, St Mary'S Lane, Upminster

Sale price
£170,000
CommercialQ3 2025

427, Upminster Road North, Rainham

Sale price
£700,000
CommercialQ3 2025

37, Newtons Close, Rainham

Sale price
£405,000
CommercialQ3 2025

1, Dewey Path, Hornchurch

Sale price
£290,000
CommercialQ3 2025

13, Edwin Close, Rainham

Sale price
£388,000
CommercialQ3 2025

Garages, 1 - 6, Cromer Road, Hornchurch

Sale price
£280,000
CommercialQ3 2025

20, Cranham Gardens, Upminster

Sale price
£540,000

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.

Havering commercial mortgages, bridging loans and development finance

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.

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 Remortgage

Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan.

From £150,000Up to 75% LTV5-25 years (typical 5-year fixed reverting to variable)

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 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.

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Havering commercial property investment fundamentals

What makes Havering fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.

Investment Highlights

  • Average commercial property yields of 6.2% across the local market
  • 15.8% property price growth over the past five years
  • 10.5% rental growth over five years supporting income returns
  • Strong occupier demand from Retail and Logistics sectors
  • Excellent transport connectivity including Elizabeth Line
  • Active regeneration programmes driving future capital growth

Development Opportunities

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.

Lender Appetite

Good appetite for industrial and logistics. Residential development supported; selective on retail.

Property Types We Finance

Retail UnitsHigh Street ShopsShopping CentresIndustrial/WarehouseDistribution CentresIndustrial UnitsFactory SpaceMedical/Dental Practices

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.

Need a commercial mortgage decision in Havering?

Our team will review your asset, sector and structure against current Havering lender appetite and come back with an indicative rate, LTV and term within 24–48 hours. No application until you're ready.

Latest Commercial Property News in Havering

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

Havering Commercial Mortgage Calculator

Pre-populated with local market data

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Havering Location

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

Havering commercial mortgage FAQ

Data-grounded answers about commercial property finance in Havering, sourced from HM Land Registry transactions and our own deal flow.

How active is the commercial property market in Havering?

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).

What is the typical commercial property price in Havering?

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.

Which commercial property sectors are most active 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.

Can I get a commercial mortgage on a property in Havering?

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.

How do I get a commercial mortgage quote for a property in Havering?

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 24–48 hours.

Ready to discuss your Havering project?

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