Tonbridge, Kent

Commercial Mortgages & Property Finance in Tonbridge

Tonbridge is a substantial Kent town on the River Medway, dominated by one of the finest motte and bailey castles in England and home to Tonbridge School, a leading independent school. The town has a strong high street with a mix of national and independent retailers, and serves as a key commuter base with fast services to London and excellent road links via the A21/M25.

Tonbridge Town CentreTonbridge CastleHadlowEast PeckhamHildenborough
£310
Avg Price/sq ft
4.8%
Average Yield
+13%
5yr Price Growth
+9.2%
5yr Rental Growth

Tonbridge Local Market Intelligence

Affluent market town with strong independent retail. Quality schools drive residential demand. Office market serving local professional services.

— CMB Market Analysis

Key Industries

  • Education (Tonbridge School)
  • Retail
  • Professional Services
  • Healthcare
  • Financial Services

Transport Links

  • Southeastern to London (35 mins)/Hastings
  • A21 to M25 (8 miles)/Hastings
  • A26 to Maidstone/Tunbridge Wells
  • River Medway navigation

Regeneration

Tonbridge town centre public realm improvement; Botany housing development; River Walk enhancement; High Street heritage conservation; flood defence upgrades along Medway

Commercial Mortgages in Tonbridge

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

When speed matters for your Tonbridge 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 Tonbridge

For developers building in Tonbridge, 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 Tonbridge for Commercial Property Investment

Lender Appetite

Strong appetite for quality town centre properties. Flood zone requires specialist assessment.

Latest Commercial Property News in Tonbridge

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

Calculate Your Tonbridge Property Finance

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