Gillingham, Kent

Commercial Mortgages & Property Finance in Gillingham

Gillingham in Kent offers diverse commercial property opportunities for investors and developers. Our experienced team provides tailored property finance solutions including development finance, bridging loans, commercial mortgages, and HMO finance across all sectors.

Gillingham Town CentreRainhamHempsteadWigmoreParkwood
£385
Avg Price/sq ft
6.4%
Average Yield
+12.3%
5yr Price Growth
+6.3%
5yr Rental Growth

Gillingham Local Market Intelligence

Largest Medway town by population with solid local economy. Industrial estates in demand. Competitive values attract first-time investors.

— CMB Market Analysis

Key Industries

  • Retail
  • Manufacturing
  • Logistics
  • Healthcare
  • Public Services

Transport Links

  • Southeastern rail
  • High Speed 1
  • M2 motorway
  • A2 corridor

Regeneration

Town centre improvements; Rainham industrial enhancement; waterfront access improvements

Commercial Mortgages in Gillingham

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

Our ex-banker team understands the Gillingham 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 Gillingham

When speed matters for your Gillingham 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 Kent, 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 Gillingham

For developers building in Gillingham, 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 Kent. 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 Kent

Why Gillingham for Commercial Property Investment

Lender Appetite

Standard lender appetite for mainstream properties. Industrial and trade counter well-supported.

Latest Commercial Property News in Gillingham

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

Calculate Your Gillingham Property Finance

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