Ramsgate, Kent

Commercial Mortgages & Property Finance in Ramsgate

Ramsgate is Thanet's most architecturally distinguished town, with England's only Royal Harbour (awarded by George IV) and one of the finest collections of Regency architecture outside Bath. The town played a crucial role in the Dunkirk evacuation and has a characterful marina district. It is benefiting from the Margate effect as creative regeneration spreads along the coast.

Ramsgate HarbourRamsgate Town CentreSt LawrenceDumpton ParkPegwell Bay
£175
Avg Price/sq ft
6%
Average Yield
+25%
5yr Price Growth
+18%
5yr Rental Growth

Ramsgate Local Market Intelligence

Royal Harbour designation supporting maritime heritage. Growing appeal for London leavers. More affordable than Margate with similar potential.

— CMB Market Analysis

Key Industries

  • Maritime & Port Services
  • Tourism & Heritage
  • Hospitality
  • Creative Industries
  • Retail

Transport Links

  • Southeastern HS1 to London St Pancras (75 mins)
  • A256 to Dover/Sandwich
  • A254 to Margate
  • Ramsgate Royal Harbour and marina

Regeneration

Royal Harbour and waterfront enhancement; Ramsgate Heritage Action Zone; Pleasurama seafront development; Military Road improvement; town centre regeneration; port revitalisation study

Commercial Mortgages in Ramsgate

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

When speed matters for your Ramsgate 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 Ramsgate

For developers building in Ramsgate, 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 Ramsgate for Commercial Property Investment

Lender Appetite

Selective appetite with preference for harbour area and quality conversions.

Latest Commercial Property News in Ramsgate

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

Calculate Your Ramsgate Property Finance

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