Portsmouth, HampshireLocal lender appetite and market data

Specialist Commercial Mortgage Broker in Portsmouth

CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Portsmouth and Hampshire. 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
£225
Avg Price/sq ft
6.5%
Average Yield
+16.2%
5yr Price Growth
+11.2%
5yr Rental Growth

Portsmouth commercial property delivers 6.5% average yield.

Portsmouth yields sit above the UK commercial average, supporting income-driven debt structures and SPV-led acquisitions.

Portsmouth 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

Portsmouth commercial property market signals

The factors lenders weigh when assessing Portsmouth commercial mortgages, sector demand, transport connectivity and active regeneration programmes.

Naval heritage drives tourism. University supports student market. Gunwharf Quays successful retail destination.

, CMB Market Analysis

Key Industries

  • Naval/Defence
  • Tourism
  • Higher Education
  • Healthcare
  • Technology

Transport Links

  • Portsmouth rail stations
  • Portsmouth International Port
  • M27 motorway

Regeneration

City Centre North; Hard Interchange; Tipner development

Listen: Hampshire Q1 2026 commercial property briefing

The Hampshire regional briefing covering Portsmouth and the wider region. A Q2 2026 commercial property briefing on Hampshire, the South Coast's largest commercial market, built around the Solent twin cities of Southampton and Portsmouth, the Basingstoke pharma cluster, the Solent Enterprise Zone and a deep arc of affluent inland market towns. We walk through transaction volumes across twenty-one towns, what twenty-one Acuitus auction lots tell us about the yield environment, and where lender appetite sits today against the county's two big AONB planning constraints.

Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.

HMLR transaction evidence

Portsmouth commercial property transaction evidence

245 commercial sales in Portsmouth across the last 60 months, sourced from HM Land Registry Price Paid Data. 2 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.

Source sales
245
60-month window
Shown below
30
recent examples
Filter transaction evidence
All commercial transactions in Portsmouth
245transactions
Sample: showing 30 recent sales below
RetailQ3 2025

8b, High Street, Cosham, Portsmouth

Sale price
£220,000
RetailQ2 2025

54, High Street, Portsmouth

Sale price
£675,000
CommercialQ1 2026

2, Drayton Road, North End, Portsmouth

Sale price
£321,700
CommercialQ1 2026

204a, Copnor Road, Portsmouth

Sale price
£260,000
CommercialQ1 2026

Furneaux Riddall & Co LTD, Alchorne Place, Portsmouth

Sale price
£415,000
CommercialQ1 2026

Our Lady Of Lourdes Church, Bransbury Road, Eastney, Southsea

Sale price
£417,000
CommercialQ4 2025

70, Garnier Street, Portsmouth

Sale price
£325,000
CommercialQ4 2025

181, Albert Road, Southsea

Sale price
£130,000
CommercialQ4 2025

109, Commercial Road, Portsmouth

Sale price
£640,000
CommercialQ4 2025

11 - 17, Eldon Street, Southsea

Sale price
£590,000
CommercialQ4 2025

468, London Road, Portsmouth

Sale price
£1,350,000
CommercialQ4 2025

73 - 75, Albert Road, Southsea

Sale price
£401,000
CommercialQ4 2025

189 - 191, New Road, Portsmouth

Sale price
£285,000
CommercialQ4 2025

136, Medina Road, Cosham, Portsmouth

Sale price
£282,000
CommercialQ4 2025

174, Fratton Road, Portsmouth

Sale price
£160,000
CommercialQ4 2025

5, Somers Road, Southsea

Sale price
£2,100,000
CommercialQ3 2025

34 - 36, Fratton Road, Portsmouth

Sale price
£324,999
CommercialQ3 2025

Venture Court, 8, Ackworth Road, Hilsea, Portsmouth

Sale price
£400,000
CommercialQ3 2025

17 - 18, The Hard, Portsmouth

Sale price
£525,000
CommercialQ3 2025

65, Tangier Road, Portsmouth

Sale price
£350,000
CommercialQ3 2025

14, Fitzherbert Spur, Farlington, Portsmouth

Sale price
£1,600,000
CommercialQ3 2025

90a, Cuthbert Road, Portsmouth

Sale price
£65,000
CommercialQ3 2025

64, Highland Road, Southsea

Sale price
£735,000
CommercialQ3 2025

Walberant Buildings, 1, Copnor Road, Portsmouth

Sale price
£105,000
CommercialQ2 2025

55a, Southsea Terrace, Southsea

Sale price
£170,000
CommercialQ2 2025

95, Newcome Road, Fratton, Portsmouth

Sale price
£230,000
CommercialQ2 2025

12, Burrill Avenue, Drayton, Portsmouth

Sale price
£550,000
CommercialQ2 2025

20a, Montague Road, North End, Portsmouth

Sale price
£170,000
CommercialQ2 2025

Cosham Fire Station, Wayte Street, Portsmouth

Sale price
£525,000
CommercialQ2 2025

135 - 137, Eastney Road, Southsea

Sale price
£300,000

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.

Portsmouth commercial mortgages, bridging loans and development finance

Three core debt structures cover the majority of Portsmouth 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 Portsmouth. 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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Portsmouth commercial property investment fundamentals

What makes Portsmouth 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 6.5% across the local market
  • 16.2% property price growth over the past five years
  • 11.2% rental growth over five years supporting income returns
  • Strong occupier demand from Naval/Defence and Tourism sectors
  • Excellent transport connectivity including Portsmouth rail stations
  • Active regeneration programmes driving future capital growth

Development Opportunities

Portsmouth presents development opportunities linked to City Centre North. Growing demand from the Naval/Defence 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 student accommodation and residential. Hospitality supported.

Property Types We Finance

HotelsLeisure PropertiesHoliday LetsMedical/Dental PracticesCare HomesOffice SpaceServiced OfficesData Centres

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Portsmouth and the wider Hampshire region, from commercial property purchases to hotel and leisure acquisitions.

Need a commercial mortgage decision in Portsmouth?

Our team will review your asset, sector and structure against current Portsmouth 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 Portsmouth

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

Portsmouth Commercial Mortgage Calculator

Pre-populated with local market data

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Portsmouth Location

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

Portsmouth commercial mortgage FAQ

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

How active is the commercial property market in Portsmouth?

HM Land Registry recorded 245 commercial property transactions in Portsmouth during the most recent reporting window. The median commercial sale price is £222,000, with the middle 50% of deals between £168,250 and £290,000. Source: HM Land Registry Price Paid Data (Category B records).

What is the typical commercial property price in Portsmouth?

The median commercial sale price recorded by HM Land Registry in Portsmouth is £222,000. Smaller end deals (lower quartile) sit around £168,250, while larger transactions (upper quartile) reach £290,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Portsmouth.

Which commercial property sectors are most active in Portsmouth?

The most active commercial sectors in Portsmouth (by recorded transaction count) are: retail (2 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 Portsmouth?

Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Portsmouth. 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 Portsmouth?

Call 07595 366094 or use the contact form to request a commercial mortgage quote in Portsmouth. We will review the asset, sector, deal structure and lender appetite specific to Portsmouth and come back with an indicative rate, LTV and term within 24–48 hours.

Ready to discuss your Portsmouth project?

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