Matlock, Derbyshire

Commercial Mortgages & Property Finance in Matlock

Matlock is the administrative centre of Derbyshire, dramatically set in the Derwent Valley gorge where the river cuts through carboniferous limestone. The town combines county council employment with a thriving tourism economy based on the Heights of Abraham cable car, Matlock Bath's Victorian attractions, and Peak District walking. The dale setting severely constrains new development, supporting property values.

Matlock Town CentreMatlock BathDarley DaleCromfordTansley
£185
Avg Price/sq ft
5.4%
Average Yield
+12.8%
5yr Price Growth
+9.2%
5yr Rental Growth

Matlock Local Market Intelligence

Derbyshire Dales administrative centre. Matlock Bath tourism. Derwent Valley Mills World Heritage Site.

— CMB Market Analysis

Key Industries

  • Public Administration (Derbyshire County Council)
  • Tourism & Heritage
  • Retail
  • Professional Services
  • Healthcare

Transport Links

  • East Midlands Railway to Derby (30 mins)/Nottingham
  • A6 to Derby (18 miles)/Buxton
  • A615 to Alfreton/M1
  • Derwent Valley Heritage Way

Regeneration

Matlock town centre public realm improvements; County Hall campus modernisation; Cawdor Quarry housing development; Matlock Bath heritage conservation; Derwent Valley Mills interpretation

Commercial Mortgages in Matlock

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

Our ex-banker team understands the Matlock 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 Matlock

When speed matters for your Matlock 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 Derbyshire, 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 Matlock

For developers building in Matlock, 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 Derbyshire. 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 Derbyshire

Why Matlock for Commercial Property Investment

Lender Appetite

Good appetite for heritage area properties.

Latest Commercial Property News in Matlock

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

Calculate Your Matlock Property Finance

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