Windermere, Cumbria

Commercial Mortgages & Property Finance in Windermere

Windermere is the Lake District's busiest tourist town, combining the hilltop village with Bowness-on-Windermere on the lakeshore. England's largest natural lake drives a year-round tourism economy worth hundreds of millions, supporting hotels, restaurants, boat hire, and outdoor activity providers. Commercial property is extremely limited and commands a premium.

Windermere TownBowness-on-WindermereLake WindermereAmblesideTroutbeck
£310
Avg Price/sq ft
5.2%
Average Yield
+16.5%
5yr Price Growth
+13%
5yr Rental Growth

Windermere Local Market Intelligence

UK's most visited lake. World Heritage Status bid. Premium tourism destination.

— CMB Market Analysis

Key Industries

  • Tourism & Hospitality
  • Boat Hire & Marine Leisure
  • Outdoor Activities
  • Retail
  • Holiday Lettings

Transport Links

  • Windermere branch line to Oxenholme/WCML (20 mins)
  • A591 to Kendal (10 miles)/Ambleside
  • A592 lake road
  • Windermere Lake Cruises ferry

Regeneration

Limited by National Park designation; Windermere Gateway welcome area; Bowness Bay waterfront improvements; Steamboat Museum; sustainable transport initiatives including electric ferries

Commercial Mortgages in Windermere

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

When speed matters for your Windermere 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 Windermere

For developers building in Windermere, 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 Windermere for Commercial Property Investment

Lender Appetite

Very strong appetite for tourism.

Latest Commercial Property News in Windermere

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

Calculate Your Windermere Property Finance

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