CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Epsom 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 Epsom commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Affluent catchment with strong independent retail. Major hospital campus creates healthcare cluster. Racecourse drives hospitality sector.”
, CMB Market Analysis
Epsom town centre plan; former hospital site development; Ashley Centre improvements; Upper High Street mixed-use; Longmead and Kiln Lane; Epsom Downs racecourse investment
The Surrey regional briefing covering Epsom 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.
70 commercial sales in Epsom across the last 60 months, sourced from HM Land Registry Price Paid Data. 19 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Unit 8-9, Epsom Business Park, Epsom
26, High Street, Ewell, Epsom
Horton House, Horton Lane, Epsom
57, Upper High Street, Epsom
Unit 2, Longmead Industrial Estate, Epsom
The Looe, The Barn, Reigate Road, Epsom
Bracken House, Tot Hill Lane, Headley, Epsom
10, High Street, Epsom
59, High Street, Epsom
Nelson House, 1, Ground Floor Shop, Church Street, Epsom
56 - 58, Ground Floor, High Street, Ewell, Epsom
27, High Street, Ewell, Epsom
27, High Street, Ewell, Epsom
27, High Street, Ewell, Epsom
Wells House, Spa Drive, Epsom
22, High Street, Epsom
Wells House, Spa Drive, Epsom
Unit 10, Epsom Business Park, Epsom
Apex House, 10, West Street, Epsom
20, Glenwood Road, Epsom
95, Ruxley Lane, Epsom
15a, Boleyn Avenue, Epsom
151, Stoneleigh Park Road, Epsom
4a, Ruxley Lane, Epsom
68, Worple Road, Epsom
14, Danetree Close, West Ewell, Epsom
22a, South Street, Epsom
Epsom Chase, 1, Hook Road, Epsom
21, Pound Lane, Epsom
75, Dorking Road, Epsom
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 Epsom 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 Epsom. 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 Epsom fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Epsom presents development opportunities linked to Epsom town centre plan. 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.
Strong appetite from mainstream lenders. Quality retail and healthcare uses favoured.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Epsom and the wider Surrey region, from professional office relocations to retail unit purchases.
Commercial property news for Epsom 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 Epsom and surrounding areas. View larger map
Recent sales, planning movement and market signals for Epsom, drawn from HM Land Registry data and local authority planning registers.
44 relevant planning applications are awaiting decision with Epsom and Ewell Borough Council, proposing 34 units with an estimated gross development value of £19m.
Source: Epsom and Ewell Borough Council planning register
HM Land Registry data shows 70 commercial property transactions in the Epsom area over the past 60 months, with a median sale price of £432k. 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 68, Worple Road, Epsom for £1,285,000 in Q3 2025, one of 7 commercial transactions recorded in the Epsom 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 Epsom, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Epsom 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 Surrey.
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 Epsom, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 70 commercial property transactions in Epsom during the most recent reporting window. The median commercial sale price is £432,000, with the middle 50% of deals between £294,000 and £720,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Epsom is £432,000. Smaller end deals (lower quartile) sit around £294,000, while larger transactions (upper quartile) reach £720,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Epsom.
The most active commercial sectors in Epsom (by recorded transaction count) are: retail (9 transactions), office (8 transactions), industrial (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 Epsom. 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 Epsom. We will review the asset, sector, deal structure and lender appetite specific to Epsom and come back with an indicative rate, LTV and term within 24 to 48 hours.