£29/sq ft
Prime rent (London)
Greater London
Warehouse Property Finance in Croydon
Specialist commercial mortgages and warehouse finance in Croydon: purchase and investment, bridging, development, stabilisation and term loans on industrial units.
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging warehouse and industrial finance
4.6%
Prime yield (London)
4.05m sq ft
Availability (London)
Looking for a mortgage on a warehouse in Croydon? Croydon sits in Greater London, within the Greater London industrial market. We are a finance arranger, not a lender: we arrange commercial mortgages and the full range of warehouse finance on Croydon industrial units, from purchase and bridging through development and stabilisation to long-term term loans, across Greater London.
Every commercial mortgage we arrange is grounded in the regional market. Prime logistics rents in Greater London run at about £29/sq ft (London, Cushman & Wakefield, Q2 2025) and prime yields at 4.6% (London, Cushman & Wakefield, Q2 2025). Those are regional benchmarks from the research houses, not a Croydon-specific measurement, but they frame the rent, value and debt serviceability a lender works to here. We then underwrite the specific industrial unit, its income and its tenant, on its own merits.
Commercial mortgages for warehouses in Croydon
A commercial mortgage is the core way to buy or refinance an income-producing warehouse in Croydon. We arrange purchase and investment finance for let industrial units, typically to around 65 to 75 percent loan to value, and term loans that hold the asset for the long run on 5 to 25 year terms. The rent the unit produces drives the loan: a lender sizes the commercial mortgage against the rental income and yield, the tenant covenant and the unexpired lease term. Owner-occupiers buying their own Croydon unit can sometimes borrow more against the strength of the trading business, and investors can remortgage to release equity as values and rents grow. We place each commercial mortgage with the lender that prices the asset best across Greater London.
Industrial unit and logistics finance across Greater London
Each warehouse sub-type is a commercial mortgage in its own right, underwritten differently. We arrange finance for big-box distribution warehouses, multi-let industrial estates, urban and last-mile logistics, cold storage, manufacturing and light-industrial units, trade-counter parades and open-storage yards in Croydon and across Greater London. A big-box let to a single tenant on a long lease and a multi-let estate with a dozen occupiers are credit-assessed in very different ways, and knowing which lender prices each best is the work we do before a deal reaches credit.
Finance we arrange for Croydon units
How much you can borrow against a Croydon warehouse
On a let investment warehouse in Croydon, a commercial mortgage usually reaches around 65 to 75 percent loan to value, so you would budget for a deposit of roughly a quarter to a third of the price. The figure is driven by the tenant covenant, the unexpired lease term and the building, not the postcode. Owner-occupier purchases can go higher against the trading business. Bridging finance funds an auction or a part-let unit quickly at a lower day-one leverage, and development finance funds a build to around 65 to 75 percent of cost. Interest rates depend on the lender, the loan to value and whether the unit is owner-occupied or held as an investment, so we quote them deal by deal rather than as a headline rate. We size the right facility, rate and deposit for your Croydon deal.
Logistics access and industrial estates in Croydon
Croydon is served by A23 and M25 J7, which underpins occupier demand and the values a lender will support on an industrial unit here. The Purley Way and Beddington Lane corridors form Croydon's principal industrial and last-mile logistics areas with direct access to the A23.
Croydon logistics geography
- Local authorityLondon Borough of Croydon
- Road accessA23, M25 J7
- Key estatesThe Purley Way and Beddington Lane corridors form Croydon's principal industrial and last-mile logistics areas with direct access to the A23.
Location facts. Market figures shown are Greater London-level, not Croydon-specific.
The Greater London industrial property market
Croydon is an established industrial market within Greater London, the kind of location lenders are comfortable underwriting. Well-let modern stock attracts competitive commercial-mortgage and term-loan terms, while bridging and development finance suit value-add and ground-up plays where the exit is clear.
London is the most expensive warehousing market in the world, defined by acute scarcity of urban and last-mile space inside and around the M25.
London is a structurally undersupplied market where last-mile and urban logistics space commands rents of two to three times the national big-box average and the keenest yields in the country. Availability rose in 2025 but from an exceptionally low base, and competing residential and mixed-use demand for land keeps the supply pipeline tight. It rewards investors who can secure well-located urban stock and developers who can navigate planning for intensified or multi-storey schemes.
Market commentary and figures for Greater London are drawn from Cushman & Wakefield (Marketbeat Logistics & Industrial, Q2 2025).
Sources and methodology
The rent, yield, take-up and availability figures on this page are reported by the major property research houses at Greater London or key-market level, not for Croydon individually. We present them as regional context for a Croydon appraisal and attribute each figure to its source firm and period (Cushman & Wakefield). Town-level detail above, such as the local authority, road access and named estates, is factual. We do not publish a Croydon-specific rent or yield as if it were measured. For national context, total England and Wales industrial floorspace on the rating list is 410.8m sq m at an average rateable value of £42/sq m (VOA, 31 Mar 2025).
FAQ
Warehouse property finance in Croydon: common questions
Can you get a mortgage on a warehouse in Croydon?
Yes. A warehouse or industrial unit in Croydon is financed with a commercial mortgage rather than a residential one. We arrange them for both investors buying a let unit and owner-occupiers buying premises for their own business, typically to around 65 to 75 percent loan to value, and we place each one with a lender that backs the asset.
How much deposit do I need to buy a warehouse in Croydon?
Most commercial mortgages on a Croydon warehouse reach around 65 to 75 percent loan to value, so plan for a deposit of roughly 25 to 35 percent of the purchase price. Owner-occupiers can sometimes put down less against the strength of the trading business, and bridging finance can move faster at a lower day-one leverage.
What are Croydon warehouse mortgage rates and terms?
Rates depend on the lender, the tenant covenant, the loan to value and whether the unit is an investment or owner-occupied, so we quote them deal by deal rather than as a headline. Terms typically run 5 to 25 years on a commercial mortgage. For market context, prime logistics rents in Greater London run at about £29/sq ft on Cushman & Wakefield, Q2 2025 figures, a regional benchmark rather than a Croydon-specific measurement.
Can I refinance or remortgage a warehouse in Croydon?
Yes. We arrange remortgages and refinances of Croydon industrial units, whether you are moving off a bridging facility onto a term loan, releasing equity, or simply improving your rate as a lease matures. Development exit and stabilisation finance bridge a newly built or part-let unit through to a long-term commercial mortgage.
Funding a warehouse in Croydon?
Send us the outline and we will come back with a view on fundability and likely terms within one working day.