Property type: Industrial
Industrial Property Bridging Loans Hampshire
We arrange bridging finance against industrial property across the Solent industrial estates, the Basingstoke distribution corridor, the Whiteley and Eastleigh business-park belt, the Aldershot and Farnborough defence-tech cluster and the wider Hampshire industrial belt. Loan sizes run £200,000 to £15 million, terms from 1 to 24 months, completions in 7 to 21 days. Industrial bridging is the strongest-performing part of the Hampshire bridging book; pricing sits 0.7 to 1.1% per month for clean cases and 1.1 to 1.4% for vacant or specialist units.
- Decisions in hours
- Completion in days
- £100k to £25m
- Hampshire specialists
Hampshire · Hampshire
Bridge to your next move.
The asset class
What industrial property looks like in Hampshire.
Industrial stock around Hampshire is concentrated in three corridors. The Solent industrial estates between Southampton and Portsmouth, including Nursling, Millbrook, Eastleigh and the M27 trade-counter estates, carry light-industrial, trade-counter and small workshop units from 1,500 to 15,000 sq ft. The Basingstoke and Andover distribution corridor along the M3 and the A303 holds larger logistics-and-distribution stock, with Sun Hill, Walworth and Houndmills estates anchoring the north of the county. The Aldershot and Farnborough defence-tech belt carries specialist workshop and light-engineering stock supporting the army garrison and the airport. Yields on industrial across Hampshire have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by Solent maritime logistics demand, the Southampton container terminal supply chain and the defence and aerospace supply chain across the north of the county.
Use cases
Bridging use cases for industrial assets.
Industrial bridging cases in this market run across five repeat patterns. The first is auction purchase of single-let or vacant units, typically £300,000 to £1.5 million, with completion against the 28-day clock. The second is investment-purchase of multi-let trade-counter estates where the buyer plans a refurbishment, a rent review programme and a refinance to term commercial debt. The third is capital raise against an unencumbered industrial freehold, often held by an owner-occupier business that needs short-term liquidity for working capital or for a separate property deposit. The fourth is purchase of poorly-let or part-vacant secondary stock with a clear lease-up plan, where the bridge funds the gap between purchase and stabilised income. The fifth is refurbishment-and-re-let cases where a tired unit is brought up to current EPC and specification before re-letting and refinance. Across all five, lenders care about the unit's letting prospects, the local rental tone, and the realism of the refinance exit at stabilised income.
Hampshire context
Industrial Demand from Solent Maritime, Basingstoke Distribution and the Defence Supply Chain
Industrial demand in Hampshire is structurally underpinned by three engines. First, the Solent maritime cluster centred on the Port of Southampton, which is the UK's largest container terminal by volume and the second largest by tonnage, drives logistics-and-warehousing demand across the M27 corridor through Nursling, Millbrook, Hedge End, Whiteley and into Fareham. The freight that supports the container terminal, the cruise terminal, the vehicle import-export trade and the Solent supply chain feeds a deep run of small-to-mid-box industrial units across the area. Second, the Basingstoke distribution corridor along the M3 north of the county serves national distribution from Sun Hill, Walworth and Houndmills, with the Andover and Whitchurch logistics belt extending the same trade west along the A303. Third, the Aldershot and Farnborough defence-tech cluster supports specialist workshop, light-engineering and storage space for the army garrison at Aldershot, Farnborough Airport operations and the wider defence supply chain that includes BAE Systems, QinetiQ and the Defence Science and Technology Laboratory. Across all three, rental tone has firmed through the recent cycle. Bridging lenders read this geography confidently and the industrial book is the strongest-performing part of the Hampshire bridging market.
Valuation and lenders
Valuation and lender considerations.
Industrial valuations come back on rent-and-yield for tenanted investments, vacant possession value for empty units, and on a sterling-per-square-foot comparable basis where the asset is small or specialist. LTV caps sit at 65 to 75% on tenanted investments, 60 to 70% on vacant stock, and 65% on owner-occupied capital-raise cases. MT Finance, Octane Capital, United Trust Bank, LendInvest, Hope Capital, Octopus Real Estate and Together all take industrial on bridging, with Shawbrook, Allica Bank and Aldermore more active at the larger end. Lenders increasingly ask for EPC evidence given the MEES regime; sub-E ratings need a clear remediation plan to clear.
What we arrange
What we typically arrange.
A typical industrial bridge in this market sits at £350,000 to £3 million, 65 to 75% LTV, 6 to 12 months, 0.75 to 1.15% per month, arrangement fee 1.5 to 2%. Auction cases complete in 7 to 14 days with title insurance. Investment-purchase cases run 14 to 21 days. Refurbishment cases include a works tranche released against monitoring surveyor sign-off. Exit is typically refinance to term commercial debt, sale to an investor, or sale of vacant possession to an owner-occupier.
FAQs
Industrial bridging questions
Can we complete an industrial unit auction purchase inside the 28-day clock?
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Yes. Industrial auction completions are core to the book. With the auction pack delivered the morning after the hammer falls, we typically come back with indicative terms inside 24 hours, run the valuation and legal in parallel, and complete in 10 to 14 days using title insurance where the title has any complexity. The 28-day clock is rarely the binding constraint; the binding constraint is usually a slow surveyor or a slow buyer's solicitor.
How do bridging lenders treat EPC ratings on industrial units?
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Sub-E EPC ratings need to be addressed before the unit can be let under the MEES regime. Lenders price for the remediation cost and the timeline. For a vacant unit at F or G, the bridge often funds the refurbishment to EPC C or better as part of the works tranche. For a tenanted unit with an existing lease, the position depends on the lease length and the landlord's repair obligations. We work the EPC piece up front so it does not surprise the lender at credit committee.
What rates apply to industrial bridging across Hampshire in 2026?
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Tenanted industrial investments with a recognisable covenant and a clear refinance exit price at 0.7 to 0.9% per month at 65 to 75% LTV. Vacant secondary units with a credible lease-up plan price 0.9 to 1.15% per month at 60 to 70% LTV. Specialist or single-purpose industrial buildings price higher, reflecting the narrower buyer pool at exit. Arrangement fees sit at 1.5 to 2% across the range. Valuation and legal fees are borrower-paid on both sides.
Tell us about the deal
Indicative terms within 24 hours.
A short triage call, then a sized indicative offer against a named lender for your industrial property in Hampshire or across Hampshire.
Regulated bridging on owner-occupied residential property falls under FCA regulation. Unregulated bridging on commercial and investment property does not. We are not directly regulated by the Financial Conduct Authority, and we introduce regulated cases to authorised partners who carry out the regulated activity.
Next step
Talk to a Hampshire industrial bridging specialist.
We arrange short-term finance on industrial property across Hampshire, covering Hampshire County Council and the Portsmouth and Southampton unitary areas. Indicative terms in 24 hours.