CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Northampton and Northamptonshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Northampton commercial property finance, offices, retail and mixed-use assets
Northampton commercial property delivers 7% average yield.
Northampton 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 Northampton commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Major logistics hub with M1 access. Town centre regeneration ongoing. Strong distribution demand.”
, CMB Market Analysis
Greyfriars; town centre transformation; Waterside Enterprise Zone
Northampton is the East Midlands' principal logistics and distribution market, with 1,733 commercial-leaning transactions registered with HM Land Registry across the rolling five years to Q2 2026.
The Northamptonshire regional briefing covering Northampton and the wider region. A Q2 2026 commercial property briefing on Northamptonshire, the geographic heart of the UK Golden Triangle, anchored on Northampton's diversified regional economy, the Daventry rail-freight cluster at DIRFT, and the Silverstone motorsport corridor. We walk through transaction volumes across the nine principal towns, what a thin auction tape can and cannot tell us, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
369 commercial sales in Northampton across the last 60 months, sourced from HM Land Registry Price Paid Data. 13 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Middlesex House, High Street, Pitsford, Northampton
Lodge Barn Farm, Green Lodge Barn, Nobottle, Northampton
Build Center, Kilvey Road, Brackmills Industrial Estate, Northampton
Unit 1, The Business Centre, Weedon Road Industrial Estate, Northampton
Pentagon Park, Unit C, Barn Way, Lodge Farm Industrial Estate, Northampton
Unit 2, Fortune Close, Riverside Business Park, Northampton
4, Sketty Close, Brackmills Industrial Estate, Northampton
18, Low Farm Place, Moulton Park Industrial Estate, Northampton
The Lakes, Lakeside House, Bedford Road, Northampton
Cromwell Farm, The Dutch Barn, Haselbech Road, Naseby, Northampton
5, Upper Priory Street, Grafton Street Industrial Estate, Northampton
9 - 11, High Street, Ecton, Northampton
Encon Court, Unit 1, Owl Close, Moulton Park Industrial Estate, Northampton
46, Park Drive, Northampton
Upton Hall, Upton Lane, Upton, Northampton
Norwood Farm, Tranche 2, Phase 2a/C, Sandy Lane, Harpole, Northampton
26, The Banks, Long Buckby, Northampton
1, Wellspring, Blisworth, Northampton
Ivy Cottage, Lower End, Hartwell, Northampton
7, Cherry Orchard Place, Weston Favell, Northampton
Unit 1, Farmhill Road, Northampton
32, Gold Street, Northampton
47 - 49, St Giles Street, Northampton
The Old Bakehouse, The Ridings, Northampton
58 - 59, Billing Road, Northampton
27, Grafton View, Wootton, Northampton
97, Sir John Pascoe Way, Northampton
19, Raisins Field Close, Northampton
43, Park Corner, St James, Northampton
43, Park Corner, St James, Northampton
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.
Three core debt structures cover the majority of Northampton 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 Northampton 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 Northampton. 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 Northampton fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Northampton presents development opportunities linked to Greyfriars. Growing demand from the Logistics sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Good appetite for logistics and industrial. Residential development supported.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Northampton and the wider Northamptonshire region, from logistics facility financing to industrial unit purchases.
Commercial property news for Northampton will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Northamptonshire.
Commercial mortgage services available across Northampton and surrounding areas. View larger map
Recent sales, planning movement and market signals for Northampton, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 369 commercial property transactions in the Northampton area over the past 60 months, with a median sale price of £225k. 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 Middlesex House, High Street, Pitsford, Northampton for £995,000 in Q1 2026, one of 2 commercial transactions recorded in the Northampton 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 Northampton, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Northampton 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 Northamptonshire.
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 Northampton, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 369 commercial property transactions in Northampton during the most recent reporting window. The median commercial sale price is £225,000, with the middle 50% of deals between £175,000 and £315,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Northampton is £225,000. Smaller end deals (lower quartile) sit around £175,000, while larger transactions (upper quartile) reach £315,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Northampton.
The most active commercial sectors in Northampton (by recorded transaction count) are: industrial (6 transactions), office (4 transactions), agri (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 Northampton. 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 Northampton. We will review the asset, sector, deal structure and lender appetite specific to Northampton and come back with an indicative rate, LTV and term within 24 to 48 hours.