CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Caterham and Surrey. 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 Caterham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Strong London commuter town. Valley location with established community. Good school catchments.”
, CMB Market Analysis
Caterham town centre improvements; Church Walk development; Valley car park site; former barracks housing (Caterham Barracks, converted); community facilities investment; Green Belt constraints
The Surrey regional briefing covering Caterham and the wider region. A Q2 2026 commercial property briefing on Surrey, the most affluent commuter belt in the South East, anchored by McLaren in Woking, the defence-electronics cluster around Frimley and Camberley, and the Surrey Research Park at Guildford. We walk through transaction volumes across the sixteen principal towns, an unusually withdrawal-heavy auction map, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
41 commercial sales in Caterham across the last 60 months, sourced from HM Land Registry Price Paid Data. 22 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Chapman House, 9, 11, Stanstead Road, Caterham
46, High Street, Caterham
Plot 36, Stanstead Road, Caterham
Plot 35, Stanstead Road, Caterham
Plot 32-33, Stanstead Road, Caterham
Plot 30-31, Stanstead Road, Caterham
Plot 26-27, Stanstead Road, Caterham
Plot 24-25, Stanstead Road, Caterham
Plot 22-23, Stanstead Road, Caterham
Bourne House, Park View Road, Woldingham, Caterham
8, Plot, Stanstead Road, Caterham
9, Plot, Stanstead Road, Caterham
11, Plot, Stanstead Road, Caterham
Plot 10, Stanstead Road, Caterham
12, Plot, Stanstead Road, Caterham
13, Plot, Stanstead Road, Caterham
14, Plot, Stanstead Road, Caterham
15, Plot, Stanstead Road, Caterham
Evergreen House, 409, Unit 1, Croydon Road, Caterham
Plot 5, Stanstead Road, Caterham
4, Plot, Stanstead Road, Caterham
6, Plot, Stanstead Road, Caterham
Thornacres, Southfields Road, Woldingham, Caterham
Mountside, 6, Church Hill, Caterham
Boundary On The Green, Guards Avenue, Caterham
5, Nelson Road, Caterham
207, Croydon Road, Caterham
Golden Lion, Town End, Caterham
The Lodge, 68, 10, Harestone Valley Road, Caterham
Garage 5, Colliers, Caterham
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 Caterham 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 Caterham. 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 Caterham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Caterham presents development opportunities linked to Caterham town centre improvements. Growing demand from the Professional Services 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 residential and retail.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Caterham and the wider Surrey region, from professional office relocations to retail unit purchases.
Commercial property news for Caterham will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Surrey.
Commercial mortgage services available across Caterham and surrounding areas. View larger map
Data-grounded answers about commercial property finance in Caterham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 41 commercial property transactions in Caterham during the most recent reporting window. The median commercial sale price is £318,000, with the middle 50% of deals between £130,000 and £410,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Caterham is £318,000. Smaller end deals (lower quartile) sit around £130,000, while larger transactions (upper quartile) reach £410,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Caterham.
The most active commercial sectors in Caterham (by recorded transaction count) are: land (18 transactions), office (3 transactions), retail (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 Caterham. 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 Caterham. We will review the asset, sector, deal structure and lender appetite specific to Caterham and come back with an indicative rate, LTV and term within 24–48 hours.