Sevenoaks, Kent

Commercial Mortgages & Property Finance in Sevenoaks

Sevenoaks is one of the most affluent commuter towns in England, with fast trains to London in 25 minutes and a prestigious address that attracts high-net-worth residents. The town sits at the foot of the Greensand Ridge with the 1,000-acre Knole Park (National Trust) as its centrepiece. Commercial property commands a significant premium reflecting the wealthy catchment.

Sevenoaks Town CentreRiverheadBat & BallDunton GreenWeald
£420
Avg Price/sq ft
4.5%
Average Yield
+11%
5yr Price Growth
+7.8%
5yr Rental Growth

Sevenoaks Local Market Intelligence

Affluent commuter town with premium retail rents. Strong demand for quality office space from professional services. Limited new supply maintains values.

— CMB Market Analysis

Key Industries

  • Financial Services
  • Professional Services
  • Boutique Retail
  • Private Healthcare
  • Education

Transport Links

  • Southeastern to London (25 mins)
  • M25 Junction 5 (3 miles)
  • M26 Junction 2a (5 miles)
  • A25 to Maidstone/Guildford

Regeneration

Limited due to Green Belt and conservation; Sevenoaks town centre public realm enhancement; Bat and Ball station restoration; Tubs Hill station area; Northern Sevenoaks masterplan

Commercial Mortgages in Sevenoaks

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

When speed matters for your Sevenoaks 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 Sevenoaks

For developers building in Sevenoaks, 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 Sevenoaks for Commercial Property Investment

Lender Appetite

Strong appetite for quality assets. Prime retail and offices particularly favoured by mainstream lenders.

Latest Commercial Property News in Sevenoaks

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

Calculate Your Sevenoaks Property Finance

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