Swadlincote, Derbyshire

Commercial Mortgages & Property Finance in Swadlincote

Swadlincote is a South Derbyshire town at the centre of the former Swadlincote Coalfield and pottery district, now rebranding as a growing commuter base for Derby, Birmingham, and the East Midlands. The town's affordable property values and proximity to the National Forest, Britain's newest forest being planted across 200 square miles, position it as a value investment location.

Swadlincote Town CentreWoodvilleNewhallChurch GresleyMidway
£115
Avg Price/sq ft
6.5%
Average Yield
+14.2%
5yr Price Growth
+10.8%
5yr Rental Growth

Swadlincote Local Market Intelligence

South Derbyshire centre with ceramics heritage. National Forest location. Growing residential market.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Logistics
  • Retail
  • Healthcare
  • Construction

Transport Links

  • A511 to Burton upon Trent/M42
  • A514 to Derby (12 miles)
  • A444 to Nuneaton/M42
  • No direct rail (nearest: Burton upon Trent)

Regeneration

National Forest transformation of former coalfield landscape; Swadlincote town centre regeneration; Cadley Hill Industrial Estate expansion; Woodville regeneration route; Gresley housing growth areas

Commercial Mortgages in Swadlincote

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

When speed matters for your Swadlincote 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 Swadlincote

For developers building in Swadlincote, 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 Swadlincote for Commercial Property Investment

Lender Appetite

Selective appetite for established uses.

Latest Commercial Property News in Swadlincote

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

Calculate Your Swadlincote Property Finance

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