CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Banbury and Oxfordshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
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 Banbury commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Historic market town on M40 corridor. Strong industrial and logistics base. Chiltern Rail links to London.”
, CMB Market Analysis
Banbury town centre masterplan; Canalside regeneration; Castle Quay waterfront extension; Bolton Road development; South West Banbury urban extension; Salt Way housing growth area
The Oxfordshire regional briefing covering Banbury and the wider region. Oxfordshire is a four-engine commercial property county, a globally-ranked university city, an M40 manufacturing corridor, the UK's most-visited tourism asset, and a fusion-energy and big-science research belt, all within one county boundary. Two confirmed Acuitus prints frame the secondary-industrial yield, and the structural story is supply scarcity, not demand.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
160 commercial sales in Banbury across the last 60 months, sourced from HM Land Registry Price Paid Data. 21 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Bakers Arms, Church Street, Bodicote, Banbury
Vantage Business Park, Unit 15, Bloxham Road, Banbury
Workshop Rear Of 28, Banbury Car Clinic, Lower Cherwell Street, Banbury
Red Lion, High Street, Culworth, Banbury
Milner House, Thorpe Way, Banbury
Barclays House, 17, Christchurch Court, Banbury
Windward House, East End, Hook Norton, Banbury
Milner House, Thorpe Way, Banbury
Trelawn House, 34, North Bar Street, Banbury
1, High Street, Banbury
Workshop 2 Nichols Ash, Shenington, Banbury
9, Swan Industrial Estate, Banbury
Meadow House, Nethercote, Banbury
Austins Farm Barn, Main Road, Upper Tadmarton, Banbury
Waterbridge Farmhouse, Aynho Road, Adderbury, Banbury
67a, High Street, Banbury
Mount Farm, High Street, Ratley, Banbury
Springhill Barn, Sibford Road, Shutford, Banbury
Milner House, Thorpe Way, Banbury
The Granary, Church Lane, Mollington, Banbury
Plot 29, Garage, Bloxham Meadows, Banbury
11, Red Lion Street, Kings Sutton, Banbury
47, Unit F, Broad Street, Banbury
11, Roundtown, Aynho, Banbury
16, Broad Street, Banbury
3, Stud Farm Cottages, Adderbury, Banbury
1, Manor Road, Great Bourton, Banbury
Cherry Lodge, Shotteswell, Banbury
11, Cascade Road, Hook Norton, Banbury
36, Garage, Sage Close, Banbury
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 Banbury commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
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 Banbury. 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 Banbury fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Banbury presents development opportunities linked to Banbury town centre masterplan. Growing demand from the Food & Drink Manufacturing 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 commercial and industrial.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Banbury and the wider Oxfordshire region, from commercial property purchases to development and refurbishment projects.
Commercial property news for Banbury will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Oxfordshire.
Commercial mortgage services available across Banbury and surrounding areas. View larger map
Recent sales, planning movement and market signals for Banbury, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 160 commercial property transactions in the Banbury area over the past 60 months, with a median sale price of £305k. 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 11, Red Lion Street, Kings Sutton, Banbury for £750,000 in Q1 2026, one of 5 commercial transactions recorded in the Banbury 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 Banbury, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Banbury 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 Oxfordshire.
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 Banbury, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 160 commercial property transactions in Banbury during the most recent reporting window. The median commercial sale price is £305,000, with the middle 50% of deals between £212,506 and £427,500. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Banbury is £305,000. Smaller end deals (lower quartile) sit around £212,506, while larger transactions (upper quartile) reach £427,500 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Banbury.
The most active commercial sectors in Banbury (by recorded transaction count) are: office (8 transactions), retail (4 transactions), agri (4 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 Banbury. 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 Banbury. We will review the asset, sector, deal structure and lender appetite specific to Banbury and come back with an indicative rate, LTV and term within 24 to 48 hours.