Rainham, Havering

Commercial Mortgages in Rainham

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance across Rainham and the wider Havering area.

RM13
£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel

Rainham Commercial Property Market

The Rainham commercial market is characterised by steady occupier demand, accessible pricing, and relatively low levels of speculative new supply, with retail rents of £18-32 per square foot and office space from £15-25 per square foot. Yields of 6.2% characterise the wider Havering market, and Rainham sits broadly in line, with higher-yielding opportunities on secondary parades. With 15.8% value growth over five years borough-wide, Rainham's fundamentals are strengthening, supported by transport improvements and rising residential values nearby.

Property Types We Finance

Retail UnitsSmall Office SuitesMixed-UseCafé/RestaurantProfessional Services

Development Activity

Rainham attracts development finance interest for conversion and refurbishment schemes, with project sizes typically ranging from single-unit improvements to small parade refurbishments. Wider regeneration, including romford town centre regeneration, is improving market confidence and expanding the pool of viable development opportunities. Small-scale builders and experienced investors are active in the area, acquiring tired stock for improvement and re-letting at improved rents.

Transport Links

  • A12 and A13 corridors
  • Elizabeth Line
  • Local bus routes serving Rainham

Notable Landmarks

  • Rainham church
  • Havering market

Key Commercial Streets

Rainham LaneRainham Close

Commercial Finance Solutions for Rainham

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% LTV

Commercial Remortgage

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

From £150,000Up to 75% LTV

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% LTV

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% LTV
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 deals across Havering and Greater London. Over £300m of capital raised for property professionals across the UK.

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Ready to discuss your Rainham project?

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