CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Bath and Somerset. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Bath commercial property finance, offices, retail and mixed-use assets
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 Bath commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“World Heritage status supports premium values. Two universities drive student demand. Tourism exceptionally strong.”
, CMB Market Analysis
Bath Quays; Enterprise Area; selective infill
Bath is the premium commercial property market in the South West outside Bristol, defined by UNESCO World Heritage status, two universities and an exceptionally deep tourism economy.
The Somerset regional briefing covering Bath and the wider region. A Q2 2026 commercial property briefing on Somerset, the most sectorally varied county in the South West outside Greater Bristol, anchored by the UNESCO heritage and twin-university economy of Bath, the M5 corridor through Taunton and Bridgwater, the Hinkley Point C nuclear new-build effect, and the Leonardo Helicopters defence cluster at Yeovil. We walk through transaction volumes across the ten principal towns, recent Acuitus auction yields between roughly seven and twelve and a half percent, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
209 commercial sales in Bath across the last 60 months, sourced from HM Land Registry Price Paid Data. 11 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Cramer House, The Square, Bath
8 - 9, Ground Floor And Basement, St James'S Parade, Bath
Horton House, Parking Space 11, Forester Avenue, Bath
23, High Street, Weston, Bath
Castle Farm, The Old Farmhouse, Farmborough, Bath
Berkeley House, The Square, Bath
6, North Parade, Bath
The Coach House, Hayeswood Road, Timsbury, Bath
59, High Street, Weston, Bath
2, Widcombe Parade, Widcombe, Bath
The Office Village, 1, Roman Way, Peasedown St John, Bath
14, Pulteney Gardens, Bath
3, Kelso Place, Bath
4 - 5a, Royal Mead, Railway Place, Bath
41, Gay Street, Bath
27, Durley Park, Bath
Farleigh Service Station, Hinton Charterhouse, Bath
Old Lime Kiln Farm, Radford Hill, Timsbury, Bath
18, Upper Lansdown Mews, Bath
Haybridge, Wellow, Bath
Rockery Park, Gainsborough Lodge, North Road, Combe Down, Bath
Stoneleigh Cottage, Freshford, Bath
Claremont Chapel, Eastbourne Avenue, Bath
61, Bradford Road, Combe Down, Bath
2a, Entry Hill, Bath
1, Claremont Mews, Bath
White Ox Mead Farm, White Ox Mead, Peasedown St John, Bath
82, Bay Tree Road, Bath
27 - 28, Oldfield Road, Bath
49, Church Road, Peasedown St John, Bath
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 Bath 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 Bath 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 Bath. 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 Bath fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Bath presents development opportunities linked to Bath Quays. Growing demand from the Tourism 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 for quality assets. Heritage conversion opportunities.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Bath and the wider Somerset region, from hotel and leisure acquisitions to development and refurbishment projects.
Commercial property news for Bath will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Somerset.
Commercial mortgage services available across Bath and surrounding areas. View larger map
Recent sales, planning movement and market signals for Bath, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 209 commercial property transactions in the Bath area over the past 60 months, with a median sale price of £355k. 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 Cramer House, The Square, Bath for £3,805,000 in Q3 2025, one of 17 commercial transactions recorded in the Bath 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 Bath, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Bath 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 Somerset.
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 Bath, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 209 commercial property transactions in Bath during the most recent reporting window. The median commercial sale price is £355,000, with the middle 50% of deals between £243,000 and £577,500. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Bath is £355,000. Smaller end deals (lower quartile) sit around £243,000, while larger transactions (upper quartile) reach £577,500 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Bath.
The most active commercial sectors in Bath (by recorded transaction count) are: office (5 transactions), retail (5 transactions), agri (1 transaction). 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 Bath. 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 Bath. We will review the asset, sector, deal structure and lender appetite specific to Bath and come back with an indicative rate, LTV and term within 24 to 48 hours.