CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Southampton and Hampshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Southampton commercial property finance, offices, retail and mixed-use assets
Southampton commercial property delivers 6.2% average yield.
Southampton 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 Southampton commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Major port city with two universities. Cruise industry driving hospitality demand. Strong student market.”
, CMB Market Analysis
Watermark WestQuay; Royal Pier Waterfront; Mayflower Quarter
Southampton's commercial property market is the leading central south coast centre, with HM Land Registry recording 2,213 commercial-leaning transactions across the city in the rolling five-year window to Q1 2026.
The Hampshire regional briefing covering Southampton 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.
Submarket-level prime rent benchmarks across Southampton's main commercial districts, the figures that shape valuations, lender comparables and target acquisition prices.
Retail/Office
Logistics/Maritime
Marina Mixed Use
R&D/Tech
Major Retail
665 commercial sales in Southampton across the last 60 months, sourced from HM Land Registry Price Paid Data. 8 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Green Acres, High Street, Shirrell Heath, Southampton
Green Acres, High Street, Shirrell Heath, Southampton
Unit 3, Solent Industrial Estate, Hedge End, Southampton
Unit A Liners Industrial Estate, Pitt Road, Southampton
Nursling House, Church Lane, Nursling, Southampton
Freemantle Business Park, 152, Unit 15, Millbrook Road East, Southampton
Freemantle Business Park, 152, Unit 14, Millbrook Road East, Southampton
6, Talisman Business Centre, Park Gate, Southampton
9, Lower Vicarage Road, Southampton
111, St Denys Road, Southampton
22, Noyce Court, West End, Southampton
400 - 402, Bitterne Road, Southampton
402, Bitterne Road, Southampton
76, Upper Shaftesbury Avenue, Highfield, Southampton
Parcel 9, Plots 842 - 849, Curbridge, Southampton
Toys R Us, Western Esplanade, Southampton
Sleepy Hollow, Green Lane, Chilworth, Southampton
Westwood Court, Unit 13, Brunel Road, Totton, Southampton
130b, Malmesbury Road, Shirley, Southampton
11, Asturias Way, Southampton
Solent Breezes Holiday Park, Hook Lane, Warsash, Southampton
9, Bramtoco Way, Totton, Southampton
127 - 129, Lodge Road, Southampton
Trinity Court, 53, Tides Way, Marchwood, Southampton
75, Wellstead Way, Hedge End, Southampton
16, East Street, Southampton
Binghams, Holywell, Swanmore, Southampton
120, Bevois Valley Road, Southampton
219, Long Lane, Holbury, Southampton
49, Bugle Street, Southampton
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.
40,000+ students across 2 institutions drive sustained occupier demand for purpose-built student accommodation and licensed HMOs in Southampton.
2 institutions · 40,000 students
Southampton operates Article 4 in key areas
Two universities create strong HMO demand. Article 4 limits new conversions. Existing licensed HMOs premium.
Three core debt structures cover the majority of Southampton commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Southampton acquisition.
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
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Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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HMO finance for houses in multiple occupation, from 4-bed student lets to large sui generis conversions.
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Student property finance across both markets: traditional student HMOs near campus and purpose-built student accommodation (PBSA) blocks.
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Care home finance for owner-operators and investors, from 20-bed residential homes to nursing and specialist dementia care.
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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 Southampton. 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 Southampton fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Southampton presents development opportunities linked to Watermark WestQuay. Growing demand from the Maritime sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Strong appetite across sectors. Maritime and student uses favoured.
Broker Notes
World's leading cruise port. Mayflower Quarter major regeneration. Two universities with 40,000+ students. Freeport status creating logistics opportunities. Strong maritime employment base. Article 4 in student areas.
Our team has extensive experience in Hampshire property finance markets.
Commercial property news for Southampton will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Hampshire.
Commercial mortgage services available across Southampton and surrounding areas. View larger map
Recent sales, planning movement and market signals for Southampton, drawn from HM Land Registry data and local authority planning registers.
Prior Approval sought for a change of use of the first and second floor from Commercial, Business and Service (Use Class E) to 7 flats (5 x 1 bed, 1 x studio,... at 150 - 152 High Street Southampton SO14 2BT (7 units). Approved by Southampton City Council.
Source: Southampton City Council, ref 26/00462/PA56
Permitted Development Assessment - Prior Approval sought for a change of use of commercial building (Class E) to 6 flats (3 x 2 bed, 3 x 1 bed) (Use Class C3) at 72 - 74 Anglesea Road Southampton SO15 5QS (6 units). Approved by Southampton City Council.
Source: Southampton City Council, ref 26/00490/PA56
HM Land Registry data shows 665 commercial property transactions in the Southampton area over the past 60 months, with a median sale price of £228k. 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 Toys R Us, Western Esplanade, Southampton for £8,880,000 in Q4 2025, one of 26 commercial transactions recorded in the Southampton 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 Southampton, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Southampton 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 Hampshire.
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 Southampton, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 665 commercial property transactions in Southampton during the most recent reporting window. The median commercial sale price is £227,500, with the middle 50% of deals between £159,424 and £347,500. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Southampton is £227,500. Smaller end deals (lower quartile) sit around £159,424, while larger transactions (upper quartile) reach £347,500 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Southampton.
The most active commercial sectors in Southampton (by recorded transaction count) are: office (4 transactions), retail (2 transactions), industrial (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.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Southampton. 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 Southampton. We will review the asset, sector, deal structure and lender appetite specific to Southampton and come back with an indicative rate, LTV and term within 24 to 48 hours.