I applied a bit of Photoshop to the image to render it more visible.
See below:
1) Red arrows: in my opinion two times the same letter, being an r.
2) Green arrow: the y, a bit strangely formed without the bottom part.
3) Blue arrow: in my opinion the F. I think the c you're interpreting, is a part of the capital F.
So personally I'm pretty sure about '.erner.'
If the last letter is indeed a y, the only English word that seems to make sense is 'Fernery'.
The name seems to be in use in the region: Link (http)
(Staines upon Thames, Surrey) Link (https)
(an artist)
Quasar - I found this in The Reading Mercury newspaper, 14 June 1884. Note the name Edward Baylis of The Fernery, Staines Bridge. Sorry, I can't rotate the image within Delcampe.
Staines Bridge is about 15km from Thames Ditton, where the card was posted. There is today a small road near Staines Bridge called The Fernery, which is very modern and boring. I doubt if the road existed in 1909, but it could be named after the old shop and tea garden.
A nearby street to today's The Fernery, The Hythe, is quite historic and according to the 1871 UK Census, Edward Baylis lived at no. 100. He died a few years later but it's possible that The Fernery shop survived until 1909 when the card was posted. Number 100 no longer exists and the road is much shorter than that now.
Anyway, I think this is very likely the place. Thanks for your interpretation of the writing!
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