Cobham, Surrey
Bridging Loans Cobham Surrey
Cobham sits in KT11 in the Elmbridge borough between Esher to the north and Leatherhead to the south, on the A3 corridor 18 miles south-west of central London. The town carries one of the most consistently high-priced family-home markets in Surrey, with substantial Edwardian and inter-war detached stock through the Fairmile belt, Stoke d'Abernon to the south-east, and Oxshott to the north-west. We arrange specialist bridging finance across Cobham regularly, with a deal mix concentrated on premium-residential chain-break for substantial family-home moves, period-villa and modern-detached refurbishment, and capital-raise work against the deep unencumbered family-home base.
Cobham median
£889,975
KT11 postcode area
Recent sales tracked
6
Land Registry, last 24 months
Dominant stock type
Terraced
67% of recent transactions
Indicative monthly rate
0.55–1.5%
Subject to LTV, exit and security
The area
Cobham in context.
Cobham takes its name from the original village settlement on the River Mole and grew rapidly through the late 19th and early 20th centuries as the South Western Main Line reached the area and London commuters moved out into the Surrey commuter belt. The town centre clusters around the High Street with the parish church of St Andrew at the southern end. The Painshill Park 18th-century landscape garden, restored by the Painshill Park Trust and reopened in 1981, sits on the western fringe and is one of the most architecturally complete English landscape gardens of the period.
The Cobham International Sports Club and the Chelsea FC training ground at Stoke d'Abernon sit south-east of the town centre, and the ACS Cobham International School at Heywood Park adds a substantial international community to the catchment. The residential streetscape is dominated by the Fairmile belt along the A307 main road, with substantial Edwardian, inter-war and modern detached villas on plots ranging from half an acre to several acres. Oxshott to the north-west, in a wooded setting between Cobham and Esher, carries some of the most expensive residential streets in the United Kingdom outside St George's Hill and Wentworth, with prices into the multi-million range. Stoke d'Abernon to the south-east carries a mix of inter-war and modern family-home stock.
Sold-data signal
Property market in Cobham.
Cobham carries a median sold price around £945,000 across KT11, among the highest in the county outside Esher and St George's Hill. Fairmile villa stock trades between £2.2 million and £6.5 million for larger Edwardian and modern detached. Oxshott stock trades between £2.5 million and £12 million or more, with the upper end on the Crown Estate, Birds Hill and the Warren belts. Stoke d'Abernon family-home stock typically sits between £1.2 million and £2.6 million. Town-centre and inner-Cobham stock trades between £825,000 and £1.6 million. Recent sales we track include a Fairmile Lane Edwardian villa at £3.85 million, an Oxshott Crown Estate detached at £6.2 million, and a Stoke d'Abernon four-bed detached at £1.65 million.
Property type split across KT11 carries a substantial detached villa contingent through Fairmile, Oxshott and Stoke d'Abernon, with inter-war and post-war stock through the inner town and a thinner flat market through the conservation-area High Street. Most Cobham bridging deals sit between £800,000 and £3 million loan size, with Fairmile and Oxshott cases running into the £3 million to £8 million range.
Deal flow
Bridging activity in Cobham.
Three deal types dominate the Cobham bridging book. First, premium-residential chain-break for owner-occupier moves through Fairmile, Oxshott, Stoke d'Abernon and the wider KT11 belt. Regulated chain-break facilities routinely between £1 million and £4 million on substantial family-home moves. Rates from 0.55 to 0.65% per month at 60 to 70% LTV, passed to our regulated partner firm. The Cobham market carries the second-highest single-loan-size profile in the Surrey desk after Weybridge St George's Hill, with the Oxshott belt regularly supporting facilities at £2.5 million plus.
Period-villa and modern-detached refurbishment bridging on Fairmile
period-villa and modern-detached refurbishment bridging on Fairmile, Oxshott and Stoke d'Abernon stock. Medium and heavy refurbishment cases at 60 to 70% LTV and 0.85 to 1.15% per month on works including loft conversions, side and rear extensions, full rewires, basement excavation and substantial kitchen-diner reconfiguration. Works budgets £200,000 to £750,000 against purchase prices around £2 million to £4.5 million. Term 12 to 18 months with staged drawdowns. The Oxshott and Fairmile villa belts routinely support refurbishment-with-GDV cases where the bridge funds both purchase and works against an uplifted final valuation.
Capital-raise bridging against unencumbered Fairmile
capital-raise bridging against unencumbered Fairmile, Oxshott and Stoke d'Abernon family homes for the next residential purchase, a development site, or business capital. Loan sizes £500,000 to £3 million at 55 to 60% LTV against open-market value, often used to move quickly on the next prime acquisition where the owner does not want to disturb an existing residential mortgage or wait for a portfolio refinance.
A fourth recurring stream is small dev-exit
A fourth recurring stream is small dev-exit on the conservation-area infill schemes through the town centre and the Painshill fringe, with loan sizes £1.5 million to £5 million. A fifth stream is occasional commercial bridging on Cobham Business Park and the A3 corridor where corporate office and small light-industrial stock comes up for acquisition or refinance.
Streets and postcodes
Named streets we work across.
Cobham covers KT11 1, KT11 2 and KT11 3 across the town centre, Fairmile, Stoke d'Abernon and Downside, plus KT22 0 covering Oxshott on the northern boundary.
Postcode areas
Streets in our regular bridging flow (15)
Read the full Cobham geography note ›
Cobham covers KT11 1, KT11 2 and KT11 3 across the town centre, Fairmile, Stoke d'Abernon and Downside, plus KT22 0 covering Oxshott on the northern boundary. Named streets in the regular bridging flow include High Street, Church Street and Mill Road through the town-centre conservation area; Fairmile Lane, Fairmile Park Road and Fairmile Avenue through the Fairmile villa belt; the A307 main road and Tilt Road; the Oxshott estate including Warren Lane, Birds Hill Rise, Sandy Lane, Holtwood Road and the wider Crown Estate footprint; Stoke Road, Manor Road and Convent Lane through Stoke d'Abernon; Downside Road and Downside Common through Downside; and Painshill access roads on the western fringe. The town-centre High Street parade and Mill Road carry the small commercial bridging stream where the deal sits with a town-centre retail or food and beverage tenant.
Demand drivers
Transport and rental demand.
Cobham and Stoke d'Abernon railway station sits east of the town centre on the New Guildford Line with services to London Waterloo via Surbiton and Wimbledon in around 35 minutes. Oxshott station to the north serves the New Guildford Line and the wider Oxshott catchment. Road access via the A3 trunk road connects north to Esher and central London and south to Guildford and the M25 at Wisley in 10 minutes. The A245 connects east to Leatherhead and west to Weybridge and Brooklands.
Demand drivers are the strength of the 35-minute Waterloo commute pulling City, Canary Wharf and West End workers and corporate executives into the town, the established prime-residential market through Fairmile, Oxshott and the wider KT11 villa belt, the ACS Cobham International School which adds around 1,200 international students and their families to the catchment, the school catchments for Notre Dame School, Reed's School and Cranmore School, the Cobham Sports Club and the Chelsea FC training ground at Stoke d'Abernon, the Painshill Park visitor economy, and the corporate-HQ presence at Cobham Business Park including several mid-sized technology and professional services operations. Cobham regularly ranks among the most expensive places to live in the United Kingdom outside London on national surveys. Rental demand from corporate-let tenants, international school families and family lets in school-catchment streets keeps the town-centre flat and villa rental markets firm.
Recent work
Our work in Cobham.
Recent Cobham bridging includes a £2.65 million chain-break facility on a Fairmile Lane Edwardian villa, arranged as a 9-month regulated bridge at 0.65% per month through our regulated partner firm, exited cleanly on the sale of the borrower's Oxshott family home. We also funded a £1.85 million refurbishment bridge on a Birds Hill Rise modern detached property, 18 months at 0.95% per month and 65% LTV, with £425,000 of works including a basement excavation, side and rear extension and full rewire, exited to a residential remortgage at £4.2 million valuation. A capital-raise case took a £1.45 million second-charge bridge against an unencumbered Oxshott Crown Estate detached to fund a business acquisition, 9 months at 0.95% per month and 55% LTV. A fourth case funded a £945,000 chain-break on a Stoke d'Abernon four-bed family-home move, passed to our regulated partner firm at 0.65% per month for 9 months.
Land Registry, recent sold prices
Cobham sold-price evidence
The most recent registered transactions across the KT11 postcode area, drawn from HM Land Registry Price Paid Data. Underwriters and valuers work from this evidence on every Cobham bridge we arrange.
KT11 median
£889,975
| Date | Street | Postcode | Type | Sold price |
|---|---|---|---|---|
| Mar 2026 | Tartar Road | KT11 2AR | Terraced | £550,000 |
| Mar 2026 | Pains Hill | KT11 1DL | Terraced | £1,325,000 |
| Mar 2026 | Kenilworth Avenue | KT11 2ST | Detached | £745,000 |
| Feb 2026 | Fairacres | KT11 2JW | Detached | £1,820,000 |
| Feb 2026 | Ravenswood Close | KT11 3AQ | Terraced | £650,000 |
| Feb 2026 | St Andrews Gardens | KT11 1HQ | Terraced | £485,000 |
Source: HM Land Registry Price Paid Data, last refreshed for the Surrey network in the trailing 24-month window. Bridging facilities are priced against the open-market value at the time of underwriting, not at the historic sold price.
Surrey coverage
Where we work across Surrey.
Cobham sits inside a wider Surrey bridging book. Click any marker to step into another town we cover.
FAQs
Cobham bridging questions
Can you bridge an Oxshott Crown Estate property?
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Yes. The Oxshott Crown Estate, Birds Hill, Sandy Lane and the wider Warren belt are well-known to our prime-residential lender panel, with several lenders comfortable on the estate covenants and the management-company structure where applicable. Loan sizes between £2 million and £8 million are routine for the Oxshott price band. Regulated chain-break cases pass to our regulated partner firm at rates from 0.55% per month and 60 to 70% LTV, with the exit on completion of the existing sale.
What lenders work best on a Cobham refurbishment-with-GDV case?
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On Cobham heavy refurbishment cases where the bridge funds both purchase and works against an uplifted gross development value, Octane Capital, Octopus Real Estate, United Trust Bank and Hope Capital tend to land cleanest. Loan sizes between £1.5 million and £4 million on works budgets of £200,000 to £750,000 are routine. Rate 0.95 to 1.15% per month over 12 to 18 months with staged drawdowns against monitoring inspections.
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