Tunbridge Wells, Kent

Commercial Mortgages & Property Finance in Tunbridge Wells

Royal Tunbridge Wells is one of England's premier spa towns, with the historic Pantiles colonnade, elegant Georgian and Victorian architecture, and a cultural life centred on the Assembly Hall and Trinity Theatre. The town's affluent catchment supports a diverse retail and professional services market, and its position on the A21/rail corridor provides strong London connectivity.

Royal Tunbridge WellsSouthboroughPemburyRusthallHawkenbury
£340
Avg Price/sq ft
4.7%
Average Yield
+12.5%
5yr Price Growth
+8.8%
5yr Rental Growth

Tunbridge Wells Local Market Intelligence

Premium market town with strong independent retail. Tech sector growing in office market. Tourism supports hospitality sector.

— CMB Market Analysis

Key Industries

  • Professional Services
  • Technology
  • Financial Services
  • Independent Retail
  • Healthcare

Transport Links

  • Southeastern to London (50 mins)
  • A21 to M25/Hastings
  • A26 to Tonbridge/Maidstone
  • A264 to East Grinstead

Regeneration

Royal Tunbridge Wells Civic Centre site redevelopment; Calverley Grounds enhancement; Mount Pleasant Avenue mixed-use; town centre public realm improvements; Tunbridge Wells Cultural Learning Hub

Commercial Mortgages in Tunbridge Wells

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

When speed matters for your Tunbridge Wells 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 Tunbridge Wells

For developers building in Tunbridge Wells, 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 Tunbridge Wells for Commercial Property Investment

Lender Appetite

Good appetite across property types. Historic properties require specialist approach but values well-supported.

Latest Commercial Property News in Tunbridge Wells

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

Calculate Your Tunbridge Wells Property Finance

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