CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Woking 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 Woking commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Major town centre regeneration creating new Grade A office and retail. Strong commuter demand. McLaren and tech companies driving employment.”
, CMB Market Analysis
Victoria Square development; town centre transformation; Sheerwater regeneration
The Surrey regional briefing covering Woking 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.
148 commercial sales in Woking across the last 60 months, sourced from HM Land Registry Price Paid Data. 15 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
93, High Street, Horsell, Woking
131 - 141, Ground Floor Shop Unit, Goldsworth Road, Woking
The Clock House, High Street, Ripley, Woking
Hanover The Mount & Stokefields Residential Home, St Johns Hill Road, Woking
70, High Street, Horsell, Woking
The Anchor Hotel, Lower Guildford Road, Knaphill, Woking
Plot Prd24, Portsmouth Road, Ripley, Woking
Plot Prf 18, Portsmouth Road, Ripley, Woking
Bullswater House, Bullswater Common, Pirbright, Woking
Pippins, High Street, Old Woking, Woking
York House Dental Practice, Lavender Park Road, West Byfleet
The White Hart, High Street, Chobham, Woking
Limerick Plot H, Alms Heath, Ockham, Woking
Limerick Plot A, Alms Heath, Ockham, Woking
94, High Street, Horsell, Woking
4a, Commercial Way, Woking
1a, Hobbs Close, West Byfleet
28, Wych Hill Park, Woking
80 - 82, Maybury Road, Woking
Unit 5, Park Court, West Byfleet
29, High Road, Byfleet, West Byfleet
21, Armadale Road, Woking
The Cedars, 1, Bisley Green, Bisley, Woking
8, Loxley Close, Byfleet, West Byfleet
H G Wells Conference & Events Centre, Church Street East, Woking
78 - 80, Walton Road, Woking
Homebase LTD, Redding Way, Knaphill, Woking
33 - 34, Guildford Road, Woking
Unit 5, Bakersgate Courtyard, Pirbright, Woking
Garage 13, Gables Close, Kingfield, Woking
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 Woking 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 Woking. 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 Woking fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Woking presents development opportunities linked to Victoria Square development. 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 for quality assets. New developments particularly favoured. Healthcare sector well-supported.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Woking and the wider Surrey region, from professional office relocations to tech workspace conversions.
Commercial property news for Woking 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 Woking and surrounding areas. View larger map
Recent sales, planning movement and market signals for Woking, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 148 commercial property transactions in the Woking area over the past 60 months, with a median sale price of £350k. 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 1a, Hobbs Close, West Byfleet for £24,430,558 in Q4 2025, one of 3 commercial transactions recorded in the Woking 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 Woking, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Woking 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 Woking, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 148 commercial property transactions in Woking during the most recent reporting window. The median commercial sale price is £350,000, with the middle 50% of deals between £270,000 and £530,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Woking is £350,000. Smaller end deals (lower quartile) sit around £270,000, while larger transactions (upper quartile) reach £530,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Woking.
The most active commercial sectors in Woking (by recorded transaction count) are: retail (6 transactions), land (4 transactions), office (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 Woking. 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 Woking. We will review the asset, sector, deal structure and lender appetite specific to Woking and come back with an indicative rate, LTV and term within 24 to 48 hours.