Seaham, County Durham

Commercial Mortgages & Property Finance in Seaham

Seaham is a former coal port on the Durham Heritage Coast with a growing reputation as a destination for sea glass collectors and walkers. The town's harbour and clifftop setting, combined with Lord Byron's marriage connection to Seaham Hall, give it character that most ex-mining towns lack. Recent residential development has expanded the population and local service demand.

Seaham Town CentreSeaham HallSeaham HarbourDawdonDeneside
£75
Avg Price/sq ft
7.8%
Average Yield
+12%
5yr Price Growth
+9.5%
5yr Rental Growth

Seaham Local Market Intelligence

Byron wedding venue. Famous sea glass beach. Growing tourism and regeneration.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Tourism & Heritage
  • Retail
  • Healthcare
  • Renewable Energy (offshore wind)

Transport Links

  • A19 trunk road (2 miles)
  • B1287 coast road to Sunderland
  • B1285 to A1(M)
  • No direct rail (bus links to Sunderland/Durham)

Regeneration

Seaham harbour and marina development; Tommy sculpture and heritage coast visitor infrastructure; town centre improvements; Byron Place; offshore wind servicing potential

Commercial Mortgages in Seaham

Whether you're acquiring office space, retail units, or industrial property in Seaham, 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 Seaham 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 Seaham

When speed matters for your Seaham 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 Seaham

For developers building in Seaham, 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 Seaham for Commercial Property Investment

Lender Appetite

Good appetite for tourism.

Latest Commercial Property News in Seaham

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

Calculate Your Seaham Property Finance

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