Margate, Kent

Commercial Mortgages & Property Finance in Margate

Margate has undergone one of the UK's most remarkable cultural regenerations, anchored by the Turner Contemporary gallery which has attracted over 4 million visitors since opening in 2011. The Old Town has become a destination for vintage shops, galleries, and restaurants, while Dreamland has been restored as a heritage amusement park. Property values have surged as London creatives relocate.

Margate Old TownCliftonvilleWestbrookGarlingeBirchington
£185
Avg Price/sq ft
6.2%
Average Yield
+28.5%
5yr Price Growth
+20%
5yr Rental Growth

Margate Local Market Intelligence

Turner Contemporary has catalysed remarkable regeneration. London creatives relocating driving demand. Budget-friendly compared to other coastal towns.

— CMB Market Analysis

Key Industries

  • Creative Arts & Culture
  • Tourism & Hospitality
  • Independent Retail
  • Technology
  • Hospitality

Transport Links

  • Southeastern HS1 to London St Pancras (75 mins)
  • A28 to Canterbury
  • A256 to Ramsgate
  • Margate Harbour and Turner Contemporary seafront

Regeneration

Turner Contemporary cultural anchor; Dreamland heritage park restoration; Old Town creative quarter growth; Arlington House improvement; Margate town centre regeneration; Housing Zone investment

Commercial Mortgages in Margate

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

When speed matters for your Margate 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 Margate

For developers building in Margate, 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 Margate for Commercial Property Investment

Lender Appetite

Appetite growing with proven regeneration. Hospitality and residential conversion projects favoured.

Latest Commercial Property News in Margate

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

Calculate Your Margate Property Finance

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