Grays, Essex

Commercial Mortgages & Property Finance in Grays

Grays is the administrative centre of Thurrock on the north bank of the Thames, adjacent to the Lakeside retail and leisure complex and the Tilbury container port. The town benefits from some of the most significant logistics and distribution infrastructure in the South East, and c2c rail services reach London Fenchurch Street in under 30 minutes.

Grays Town CentreChafford HundredSouth StiffordTilburyWest Thurrock
£195
Avg Price/sq ft
6.2%
Average Yield
+16.5%
5yr Price Growth
+12.8%
5yr Rental Growth

Grays Local Market Intelligence

Strategic Thames Gateway location. Port of Tilbury and major logistics operators. Lakeside retail park nearby.

— CMB Market Analysis

Key Industries

  • Logistics & Distribution (Tilbury)
  • Retail (Lakeside)
  • Port Operations
  • Manufacturing
  • Professional Services

Transport Links

  • c2c to Fenchurch Street (28 mins)
  • M25 Junction 30/31 (adjacent)
  • A13 to London/Basildon
  • Tilbury Port and ferry terminal

Regeneration

Grays town centre regeneration; South Grays housing; Thurrock Thameside regeneration; London Gateway Port (adjacent); Lakeside/West Thurrock mixed-use intensification; Purfleet-on-Thames

Commercial Mortgages in Grays

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

Our ex-banker team understands the Grays 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 Grays

When speed matters for your Grays 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 Essex, 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 Grays

For developers building in Grays, 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 Essex. 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 Essex

Why Grays for Commercial Property Investment

Lender Appetite

Strong appetite for logistics. Town centre requires regeneration track record.

Latest Commercial Property News in Grays

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

Calculate Your Grays Property Finance

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