Sittingbourne, Kent

Commercial Mortgages & Property Finance in Sittingbourne

Sittingbourne is a north Kent town on the A2/M2 corridor that is one of the fastest-growing in the county. The town has a significant paper-making heritage (Kemsley Mill) and a growing population driven by major housing developments. Its strategic position between London and Canterbury with good road and rail links supports logistics and distribution demand.

Sittingbourne Town CentreMilton RegisKemsleyBobbingEurolink
£175
Avg Price/sq ft
5.8%
Average Yield
+17.5%
5yr Price Growth
+13%
5yr Rental Growth

Sittingbourne Local Market Intelligence

Strategic location between Medway and Canterbury. Major distribution hub with strong logistics demand. Town centre improving.

— CMB Market Analysis

Key Industries

  • Paper & Packaging (DS Smith)
  • Logistics
  • Retail
  • Manufacturing
  • Construction

Transport Links

  • Southeastern to London Victoria (65 mins)
  • M2 Junction 5 (adjacent)
  • A249 to Sheerness/Sheppey
  • A2 to Canterbury/Faversham

Regeneration

Sittingbourne town centre regeneration (Spirit of Sittingbourne); Milton Creek country park; Borden housing growth; NW Sittingbourne development area; Kemsley Fields housing; paper mill heritage site

Commercial Mortgages in Sittingbourne

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

When speed matters for your Sittingbourne 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 Sittingbourne

For developers building in Sittingbourne, 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 Sittingbourne for Commercial Property Investment

Lender Appetite

Good appetite for industrial and logistics. Town centre retail selective.

Latest Commercial Property News in Sittingbourne

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

Calculate Your Sittingbourne Property Finance

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