Durham, County Durham

Commercial Mortgages & Property Finance in Durham

Durham is a UNESCO World Heritage City centred on its spectacular Norman cathedral and castle perched above the River Wear. Home to Durham University, one of the UK's top-ranked institutions, the city has a strong student economy and professional services base. The compact centre and heritage constraints create limited but highly valued commercial space.

Durham City CentreDurham CathedralDurham UniversityNevilles CrossGilesgate
£175
Avg Price/sq ft
5.6%
Average Yield
+12.5%
5yr Price Growth
+9.5%
5yr Rental Growth

Durham Local Market Intelligence

UNESCO World Heritage city with cathedral and castle. Russell Group university. Premium property values.

— CMB Market Analysis

Key Industries

  • Education (Durham University)
  • Heritage & Tourism
  • Professional Services
  • Healthcare
  • Technology

Transport Links

  • East Coast Main Line to London King's Cross (2hr 45)
  • A1(M) Junction 62 (2 miles)
  • A690 to Sunderland
  • A167 to Newcastle/Darlington

Regeneration

Aykley Heads business park development; Durham city centre masterplan; riverside path improvements; Milburngate mixed-use scheme; Northern Electric site redevelopment

Commercial Mortgages in Durham

Whether you're acquiring office space, retail units, or industrial property in Durham, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across County Durham, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Durham commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Durham

When speed matters for your Durham property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across County Durham, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Durham

For developers building in Durham, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across County Durham. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across County Durham

Why Durham for Commercial Property Investment

Lender Appetite

Strong appetite for heritage city properties.

Latest Commercial Property News in Durham

Commercial property news for Durham will appear here once available. Check back soon for the latest market updates.

Calculate Your Durham Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.