Upminster, Havering

Commercial Mortgages in Upminster

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

RM14
£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel

Upminster Commercial Property Market

Investors in Upminster benefit from outer-London pricing combined with improving market fundamentals and transport links, with retail rents of £18-32 per square foot and office space from £15-25 per square foot. Average yields of 6.2% across Havering provide a useful benchmark, with individual Upminster properties varying by asset quality, lease length, and exact location. The 15.8% five-year price growth recorded across the wider area supports development and refurbishment viability in Upminster.

Commercial Property Values in Havering

Property TypePrime / Grade ASecondaryMarket Range
Office£70 psf£37 psf£37 - £70 psf
Retail / Shop£103 psf£58 psf£58 - £103 psf
Industrial£24 psf£18 psf£18 - £24 psf
Warehouse / Logistics£24 psf£26 psf£24 - £26 psf

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

Market data reflects Havering-wide averages. Upminster values may differ — contact us for area-specific guidance.

Property Types We Finance

Retail UnitsSmall Office SuitesMixed-UseCafé/RestaurantProfessional Services

Development Activity

Selective redevelopment and change-of-use conversions characterise Upminster's development pipeline, with investors targeting period buildings for modernisation. Bridge Close development creates a positive backdrop for investment in the area and supports higher end values for completed projects. Refurbished commercial space commands a measurable rent premium over un-improved stock, supporting viable project appraisals.

Transport Links

  • C2C rail
  • A12 and A13 corridors
  • Local bus routes serving Upminster

Notable Landmarks

  • Upminster park
  • Havering leisure centre

Key Commercial Streets

Upminster High StreetUpminster Parade

Commercial Finance Solutions for Upminster

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 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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Upminster Commercial Mortgage Calculator

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Interest-only estimate. Actual terms subject to lender assessment.

Ready to discuss your Upminster project?

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