Whitehaven, Cumbria

Commercial Mortgages & Property Finance in Whitehaven

Whitehaven is a Georgian planned town on the west Cumbria coast with a remarkable harbour and grid-iron street layout. The town has been through significant regeneration and faces the transformative impact of the nearby Woodhouse Colliery project, while the Sellafield nuclear complex (15 miles north) remains the dominant economic influence on the wider area.

Whitehaven Town CentreWhitehaven HarbourHensinghamMirehouseWoodhouse
£85
Avg Price/sq ft
7.2%
Average Yield
+10.5%
5yr Price Growth
+8.2%
5yr Rental Growth

Whitehaven Local Market Intelligence

Georgian harbour town with mining heritage. Nuclear sector at Sellafield nearby. Coast to Coast trail.

— CMB Market Analysis

Key Industries

  • Nuclear (Sellafield corridor)
  • Port & Maritime
  • Retail
  • Manufacturing
  • Tourism

Transport Links

  • Cumbrian Coast line rail to Carlisle/Barrow
  • A595 to M6 (35 miles)
  • Whitehaven Harbour
  • A5086 to Egremont/Sellafield

Regeneration

Whitehaven harbour and marina redevelopment; The Beacon museum expansion; town centre heritage regeneration; Pow Beck retail park; Albion Square renewal; coastal path improvements

Commercial Mortgages in Whitehaven

Whether you're acquiring office space, retail units, or industrial property in Whitehaven, 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 Cumbria, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Whitehaven 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 Whitehaven

When speed matters for your Whitehaven 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 Cumbria, 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 Whitehaven

For developers building in Whitehaven, 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 Cumbria. 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 Cumbria

Why Whitehaven for Commercial Property Investment

Lender Appetite

Selective appetite. Energy sector understood.

Latest Commercial Property News in Whitehaven

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

Calculate Your Whitehaven Property Finance

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