£27.50/sq ft
Prime rent (South East)
Surrey
Industrial and Logistics Property Finance in Woking
Funding for industrial units, warehouses and multi-let estates in Woking: commercial mortgages, acquisition finance, bridging, development, mezzanine and long-term debt.
Written by Matt Lenzie Founder & Principal Broker · 25 years arranging commercial property finance
5%
Prime yield (South East)
7.08%
UK logistics vacancy
1,111
House sales, 12m (Woking)
Industrial Property Finance arranges funding for industrial units, distribution warehouses and multi-let estates across Surrey. Whether you are buying a unit for your own business, refinancing a multi-let estate, or funding a yard, a trade counter or a refurbishment, we model the deal for your Woking property and place it with the right lender. Woking sits in Surrey, within the South East industrial and logistics market.
Lenders underwrite a Woking industrial deal on its own fundamentals first, the rent roll or the trading business, the tenants, the unit and the borrower, then test it against the wider market. Prime industrial and logistics rents in South East run to £27.50/sq ft (CBRE, UK Logistics Q4 2025, Q4 2025), with prime equivalent yields around 5% (CBRE, UK Logistics Q4 2025, Q4 2025). Prime rents in the region grew 3.2% over the year (Knight Frank, UK Logistics Market Dashboard, 12 months to Dec 2025).
Commercial mortgages on Woking industrial units
A commercial mortgage is the core way to buy or refinance an industrial unit in Woking. For investors, lenders size the loan against the rent: typically up to around 65 to 70 percent loan to value, tested so the net rental income covers the interest with a clear margin, with the tenancy schedule, the estimated rental value and the re-letting depth of the Woking market all part of the assessment. For owner-occupiers buying their own premises the loan is underwritten on the trading business instead, its accounts and its debt service cover, and can reach around 70 to 80 percent for established firms. Terms run from 5 to 25 years. We place each facility with the lender that prices Woking industrial property best across Surrey.
Warehouses, multi-let estates and trade counters across Surrey
Each property type is underwritten differently. We arrange finance for distribution and logistics warehouses, multi-let industrial estates, trade counters, workshops and light industrial units, hybrid and flex space, urban and last-mile logistics and open storage yards in Woking and across Surrey. A let distribution warehouse on a long lease to a single covenant, a fully let estate of small units with dozens of SME tenancies, and a vacant workshop bought at auction are credit-assessed in very different ways, and knowing which lender backs each format is the work we do before a deal reaches credit. Multi-let estates carry short leases that re-gear to market quickly, which lenders read as reversionary income, while distribution sheds and trade counters lean on the covenant strength and unexpired term of the tenant.
Finance we arrange in Woking
- Industrial and logistics commercial mortgages
- Owner-occupier industrial mortgages
- Industrial and logistics acquisition finance
- Industrial bridging loans
- Industrial development and refurbishment finance
- Industrial and logistics refinance and equity release
- Industrial and logistics portfolio finance
- Mezzanine, equity and JV funding
How much you can borrow against Woking industrial property
On an industrial investment in Woking, a commercial mortgage usually reaches around 65 to 70 percent of value, so you would budget for equity of roughly a third of the price plus stamp duty and costs. The figure is driven by the quality of the income, the tenants, the unexpired lease terms and the condition of the unit, not the postcode. Vacant or part-let property is funded differently: bridging finance secures an auction purchase or a unit awaiting letting, typically to around 70 to 75 percent of value from around 0.75 percent per month, and development or refurbishment finance funds works to around 65 to 75 percent of cost, with mezzanine stretching the stack where the scheme supports it. Interest rates depend on the lender, the leverage and the income profile, so we quote them deal by deal rather than as a headline rate. We size the right facility, rate and equity requirement for your Woking deal.
Where industrial property trades in Woking
Woking is home to the Shah Jahan Mosque, built in 1889 as the UK's first purpose-built mosque, and H. G. Wells wrote The War of the Worlds while living in the town, landing his Martians on Horsell Common. Woking is served by A320 and M25 J11, the kind of road access that drives occupier demand for industrial units and supports the rents an estate can sustain. Occupiers here draw staff and customers from across the town, from Horsell, Knaphill, Mayford and Old Woking, the catchment a lender weighs when it considers re-letting risk. Planning applications for industrial use, including change of use within Class B2, B8 and E(g), are determined by Woking Borough Council.
Industrial demand signals in Woking
As a local-economy signal, Woking recorded 1,111 residential transactions in the last twelve months on HM Land Registry price paid data, at a median price of £427,500; that is housing-market context, not industrial volume, but it speaks to the depth of the local economy that fills small units. Nationally, industrial and logistics vacancy remains moderate at 7.08% (CBRE, UK Logistics Q4 2025, Q4 2025), against forecast rental growth of 2.7% (Savills, Big Shed Prospects 2026, 2026 forecast).
Woking industrial market profile
- Planning authorityWoking Borough Council
- Road accessA320, M25 J11
- House sales (12m)1,111 · median £427,500
Location facts and Land Registry data. Market figures shown are national or South East-level, not Woking-specific.
The South East industrial and logistics market
Woking is a smaller or emerging industrial market within South East, where the strength of the individual unit, its occupier evidence and the borrower carry the financing. Lenders look closely at re-letting depth and the exit, and bridging or development finance often fits better than a long-term commercial mortgage until the income is proven.
The South East commands the UK's highest big-box prime rents on the M25 western arc, though take-up remains below historical norms and vacancy is elevated.
Savills models South East vacancy holding around 9% to the end of 2027 given subdued take-up, but the western M25 and Heathrow arc keep the highest prime rents in the UK outside central London.
Market commentary and figures for South East are drawn from CBRE (UK Logistics Q4 2025, Feb 2026); Knight Frank (UK Logistics Market Dashboard, Jan 2026); Savills (Big Shed Prospects 2026, Dec 2025).
Sources and methodology
Industrial and logistics market figures are published nationally or regionally, not per town, so the rents, vacancy and yields on this page are presented as context for a Woking appraisal and attributed to their sources (CBRE, UK Logistics Q4 2025). Town-level facts are different: road access, the named estates, the planning authority, and the Land Registry housing-transaction data are genuinely local and sourced. We do not publish a Woking-specific rent or yield as if it were measured. Nationally, UK big-box logistics take-up reached 25.6m sq ft in 2025 (CBRE, UK Logistics Q4 2025, 2025).
FAQ
Industrial and logistics finance in Woking: common questions
Can you get a mortgage on an industrial unit in Woking?
Yes. An industrial unit in Woking is financed with a commercial mortgage rather than a residential loan. We arrange them for owner-occupiers buying their own premises, underwritten on the trading business, and for investors buying let units or estates, underwritten on the rent, typically to around 65 to 70 percent loan to value, and we place each one with a lender that backs the sector.
How much deposit do I need to buy an industrial unit in Woking?
Most lenders advance around 65 to 70 percent of value on a let Woking industrial investment, so plan for equity of roughly 30 to 35 percent of the price plus costs. Established owner-occupiers can often reach around 70 to 80 percent against their own premises. A vacant or short-income unit is funded on more cautious terms, often via a bridge first.
What are Woking industrial finance rates and terms?
Rates depend on the lender, the leverage and the income profile of the property, so we quote them deal by deal rather than as a headline. Indicatively, term debt starts from around 6 percent, development finance from around 8 percent and bridging from around 0.75 percent per month, with terms from months on a bridge to 25 years on a commercial mortgage. For market context, prime industrial and logistics rents in South East run to £27.50/sq ft (CBRE, UK Logistics Q4 2025, Q4 2025).
Can I fund a multi-let estate or a yard in Woking?
Yes. Multi-let industrial estates are funded on the rent roll, with the lender testing interest cover against the net income and the manager's ability to run dozens of small tenancies; open storage and industrial yards are funded against the land with more conservative leverage, typically around 55 to 65 percent. We arrange both routes across Surrey.
Funding an industrial unit in Woking?
Send us the outline and we will come back with a view on fundability and likely terms within one working day.