Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Oxford and Oxfordshire.
Direct relationships with executives and board members of the UK's leading 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
“World-class university and research. Life sciences cluster driving exceptional demand. Severely constrained supply supports ultra-premium values.”
— CMB Market Analysis
West End; Osney Mead; Oxford North
| Property Type | Prime / Grade A | Secondary | Market Range |
|---|---|---|---|
| Office | £21 psf | £8 psf | £8 - £21 psf |
| Retail / Shop | £46 psf | £29 psf | £29 - £46 psf |
| Industrial | £9 psf | £5 psf | £5 - £9 psf |
Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.
Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.
Oxford benefits from significant institutional and private investor interest, particularly in technology & digital opportunities.
Tech/Life Sciences
Corporate Office
Premium Retail
Healthcare/Education
Automotive/Industrial
Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.
Serviced office premises, town centre
High street retail unit, Headington
Modern industrial unit, trade estate
Development site with planning for 8 residential units, City Centre
Mixed-use building with commercial ground floor and residential above, City Centre
18-unit purpose-built apartment block, Jericho
47-bed registered care home with gardens, Headington
Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.
2 institutions · 44,000 students
City-wide Article 4 since 2012 - strictest in UK
Very restrictive. Generally refuse if >20% of properties in street are HMOs. Focus on purchasing existing licensed HMOs.
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 Oxford. 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 ProfileOxford presents development opportunities linked to West End. Growing demand from the Higher Education sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Very strong appetite for all quality assets. Premium innovation location.
Broker Notes
Extreme supply constraints create premium pricing. Science parks at capacity. BMW Mini factory provides stable industrial demand. Article 4 most restrictive in UK - existing HMOs only. Science Vale (Harwell/Milton Park) offering alternative supply.
Our team has extensive experience in Oxfordshire property finance markets.
Oxford is a world-renowned university city with thriving life sciences and technology sectors. The commercial property market benefits from strong demand across Higher Education, Life Sciences, Technology sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 4.2% and 14.5% price growth over five years, Oxford offers compelling returns for commercial property investors. Excellent connectivity via Oxford Station mainline supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including West End, further enhances the investment outlook and signals sustained public and private sector confidence.
The Oxford market requires realistic expectations around liquidity and exit timelines for commercial assets. Secondary location pricing can be volatile, and investors benefit from strong local knowledge and established lender relationships.
Oxford's commercial property landscape has been shaped by West End. Growth in the Higher Education sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.
Oxford falls under Oxfordshire planning authority, where the adopted local plan supports commercial development and economic growth. Planning decisions reflect a balance between heritage conservation and enabling new investment, with CIL charges and Section 106 contributions applying to larger schemes.
Commercial property news for Oxford 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 Oxford and surrounding areas. View larger map
Office rents in Oxford range from approximately £8 per square foot for secondary space up to £21 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £15 per square foot. These figures are based on Q1 2026 regional market benchmarking.
Investment yields in Oxford vary by property type and grade. Current indicative yields are: offices at 6.39%-7.18%, retail at 7.04%-9.61%, industrial at 5.25%-7.22%, residential single-let at 6.82%, HMOs at 10.21%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.
Oxford's commercial property market includes offices, retail units, industrial premises, residential investment blocks, care homes. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.
Residential investment blocks in Oxford typically trade at around £185,810 per unit, or approximately £248 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 6.82%, with HMO conversions achieving up to 10.21%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.
HMO investments in Oxford can achieve yields of approximately 10.21%, compared to 6.82% for standard single-let properties. With 2 higher education institutions and approximately 44k students, Oxford has strong HMO demand. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.
Care homes in Oxford typically trade at around £48,155 per registered bed. A typical 41-bed home would therefore be valued between £963k and £2.9m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.