CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Farnham 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 Farnham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Attractive market town with strong independent retail. University of Creative Arts drives student accommodation. Quality of life attracts home-workers.”
, CMB Market Analysis
Farnham town centre heritage conservation; East Street improvement; Brightwells Yard mixed-use development; Maltings cultural programme expansion; University for Creative Arts campus; Aldershot Road area
The Surrey regional briefing covering Farnham 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.
104 commercial sales in Farnham across the last 60 months, sourced from HM Land Registry Price Paid Data. 39 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Oakhill House, Moons Hill, Frensham, Farnham
Tickens House, Sands Road, The Sands, Farnham
Farnham Industrial Estate, Unit 1, The Street, Farnham, Saxmundham
6, Farnham Trading Estate, Farnham
Pump House, Tilford Road, Churt, Farnham
School House, School Lane, Bentley, Farnham
Monksfield House, Farnham Road, Tilford, Farnham
Bethune House, 88, West Street, Farnham
Downsland House, Bowling Alley, Crondall, Farnham
Old Kiln Courtyard, The Barn, The Borough, Farnham
Home Park House, 27, South Street, Farnham
Star House, 6, Riverside Business Park, Farnham
Kookabura House, Gravel Hill Road, Holt Pound, Farnham
Tech Recycle House, Odiham Road, Farnham
The Post Office Stores, The Street, Farnham, Saxmundham
Orchard House, Fox Road, Lower Bourne, Farnham
3, Riverside Business Park, Farnham
Tudor House, Upper Hale Road, Farnham
Carnaby Barn, Grange Road, Tilford, Farnham
The Bat & Ball Freehouse, 15, Bat And Ball Lane, Wrecclesham, Farnham
16, Farnham Business Centre, Farnham
Forest House, Main Road, Bucks Horn Oak, Farnham
Farnham Industrial Estate, Unit 4, The Street, Farnham, Saxmundham
Marsh Farm Business Centre, Unit 4, Bowling Alley, Crondall, Farnham
The Shop, 26, Sandrock Hill Road, Wrecclesham, Farnham
Eaton House Rear Of 84, Eaton Square, The Street, Tongham, Farnham
16, Farnham Business Centre, Farnham
13, Farnham Business Centre, Farnham
6, Coxbridge Business Park, Farnham
Old Chambers, 93 - 94, West Street, Farnham
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 Farnham 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 Farnham. 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 Farnham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Farnham presents development opportunities linked to Farnham town centre heritage conservation. Growing demand from the Creative Arts & Design (UCA) 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 heritage properties. Student accommodation and retail well-supported.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Farnham and the wider Surrey region, from commercial property purchases to development and refurbishment projects.
Commercial property news for Farnham 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 Farnham and surrounding areas. View larger map
Recent sales, planning movement and market signals for Farnham, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 104 commercial property transactions in the Farnham area over the past 60 months, with a median sale price of £443k. 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 Oakhill House, Moons Hill, Frensham, Farnham for £3,195,000 in Q1 2026, one of 2 commercial transactions recorded in the Farnham 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 Farnham, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Farnham 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 Farnham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 104 commercial property transactions in Farnham during the most recent reporting window. The median commercial sale price is £443,000, with the middle 50% of deals between £260,000 and £858,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Farnham is £443,000. Smaller end deals (lower quartile) sit around £260,000, while larger transactions (upper quartile) reach £858,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Farnham.
The most active commercial sectors in Farnham (by recorded transaction count) are: office (28 transactions), industrial (3 transactions), agri (3 transactions). 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 Farnham. 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 Farnham. We will review the asset, sector, deal structure and lender appetite specific to Farnham and come back with an indicative rate, LTV and term within 24 to 48 hours.