Rochester, Kent

Commercial Mortgages & Property Finance in Rochester

Rochester is a Dickensian cathedral city with one of England's finest Norman castles and a beautifully preserved High Street that featured prominently in Charles Dickens' novels. The city hosts major Dickens festivals twice yearly and has a thriving independent retail scene, with the Rochester Riverside development extending the city towards the Medway waterfront.

Rochester High StreetStroodBorstalCuxtonChatham Maritime
£225
Avg Price/sq ft
5.3%
Average Yield
+16.8%
5yr Price Growth
+12.5%
5yr Rental Growth

Rochester Local Market Intelligence

Historic city with strong tourism appeal. University presence supports student accommodation demand. Medway waterfront creating new opportunities.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage (Dickens/Cathedral)
  • Independent Retail
  • Education
  • Professional Services
  • Hospitality

Transport Links

  • Southeastern to London (40 mins)/HS1 at Strood
  • M2 Junction 1/2 (3 miles)
  • A2 to London/Canterbury
  • Medway river frontage

Regeneration

Rochester Riverside mixed-use (800+ homes); Rochester High Street heritage conservation; Castle gardens improvement; Star Hill to Sun Pier cultural corridor; Strood waterfront

Commercial Mortgages in Rochester

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

When speed matters for your Rochester 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 Rochester

For developers building in Rochester, 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 Rochester for Commercial Property Investment

Lender Appetite

Heritage assets require specialist lenders but appetite good for well-located properties.

Latest Commercial Property News in Rochester

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

Calculate Your Rochester Property Finance

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