Bath, Somerset

Commercial Mortgages in Bath

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Bath and Somerset.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£425
Avg Price/sq ft
4.5%
Average Yield
+14.5%
5yr Price Growth
+9.8%
5yr Rental Growth

Why Choose CMB in Bath

Direct relationships with executives and board members of the UK's leading lenders

Ex-Banking Background

Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out

Board-Level Access

Direct relationships with lender decision-makers for faster approvals and better terms

£300M+ Track Record

Proven success arranging complex commercial property finance across the UK

Areas we cover:City CentreRoyal CrescentWidcombeOldfield ParkLarkhall

Bath Local Market Intelligence

World Heritage status supports premium values. Two universities drive student demand. Tourism exceptionally strong.

— CMB Market Analysis

Key Industries

  • Tourism
  • Higher Education
  • Technology
  • Professional Services
  • Healthcare

Transport Links

  • Bath Spa Station (GWML)
  • A4 corridor
  • M4 motorway

Regeneration

Bath Quays; Enterprise Area; selective infill

Bath Commercial Property Market Data

Commercial Property Values in Bath

Property TypePrime / Grade ASecondaryMarket Range
Office£28 psf£10 psf£10 - £28 psf
Retail / Shop£43 psf£13 psf£13 - £43 psf
Industrial£8 psf£4 psf£4 - £8 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Bath

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Bath Market Trends

Office Vacancy
Stable
Industrial Demand
Strong
Retail Footfall
Stable
Residential Investment
Weak
Dominant sector:Office & Professional Services

Investor appetite for Bath commercial property remains strong, with office & professional services assets attracting the most interest.

Recent Commercial Property Transactions in Bath

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ4 2025

Grade A office suite, City Centre

7,090 sq ft
£115,000 - £127,000
£17 psf7.6% yield
RetailQ3 2025

High street retail unit, City Centre

4,258 sq ft
£57,000 - £63,000
£14 psf7.1% yield
IndustrialQ1 2026

Light industrial unit with yard, City Centre

13,280 sq ft
£50,000 - £56,000
£4 psf6.3% yield
Care HomeQ4 2025

58-bed care home, recently refurbished, City Centre

58 beds
£2,825,000 - £3,125,000
6.8% yield
Development SiteQ3 2025

Permitted development opportunity, City Centre

5 units
£90,000 - £100,000
Mixed-UseQ1 2026

Shop with maisonette above, town centre

4,328 sq ft
£1,127,000 - £1,245,000
£274 psf7.6% yield
Residential BlockQ4 2025

Buy-to-let residential portfolio, 13 units, City Centre

13 units
£1,485,000 - £1,640,000
6.1% yield
HotelQ3 2025

21-bedroom serviced accommodation, City Centre

21 rooms
£1,885,000 - £2,085,000
7.7% yield

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

Our Services in Bath

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions — decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects — structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

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 Profile

Why Bath for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 4.5% across the local market
  • 14.5% property price growth over the past five years
  • 9.8% rental growth over five years supporting income returns
  • Strong occupier demand from Tourism and Higher Education sectors
  • Excellent transport connectivity including Bath Spa Station (GWML)
  • Active regeneration programmes driving future capital growth

Development Opportunities

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.

Lender Appetite

Strong appetite for quality assets. Heritage conversion opportunities.

Property Types We Finance

HotelsLeisure PropertiesHoliday LetsOffice SpaceServiced OfficesData CentresMedical/Dental PracticesCare Homes

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.

Why Invest in Bath

Bath is a UNESCO World Heritage City with exceptional Georgian architecture and strong university presence. The commercial property market benefits from strong demand across Tourism, Higher Education, Technology sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 4.5% and 14.5% price growth over five years, Bath offers compelling returns for commercial property investors. Excellent connectivity via Bath Spa Station (GWML) supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Bath Quays, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Competition for quality commercial stock in Bath has increased as investor demand spreads beyond core cities. Understanding local planning policies and Section 106 requirements is essential for development-led strategies.

Notable Developments

Bath's commercial property landscape has been shaped by Bath Quays. Growth in the Tourism sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

The local planning authority for Bath operates within Somerset, with policies that support sustainable commercial development and town centre vitality. The local plan identifies key development sites and employment areas, and the council has demonstrated a pragmatic approach to commercial property applications.

Latest Commercial Property News in Bath

Commercial property news for Bath will appear here once available. Check back soon for the latest market updates.

Bath Commercial Mortgage Calculator

Pre-populated with local market data

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Interest-only estimate. Actual terms subject to lender assessment.

Bath Location

Commercial mortgage services available across Bath and surrounding areas. View larger map

Bath Commercial Property FAQ

What is the average office rent per square foot in Bath?

Office rents in Bath range from approximately £10 per square foot for secondary space up to £28 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £16 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Bath?

Investment yields in Bath vary by property type and grade. Current indicative yields are: offices at 6.78%-7.75%, retail at 7.29%-8.55%, industrial at 6.41%-7.19%, residential single-let at 6.25%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Bath?

Bath's commercial property market includes offices, retail units, industrial premises, residential investment blocks, care homes, hotels and guest houses. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

How much does a residential investment block cost in Bath?

Residential investment blocks in Bath typically trade at around £108,260 per unit, or approximately £270 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 6.25%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What is the average price per bed for care homes in Bath?

Care homes in Bath typically trade at around £47,280 per registered bed. A typical 25-bed home would therefore be valued between £946k and £2.8m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.

Ready to discuss your Bath project?

Speak with our specialist team today and get a decision in principle within 48 hours.