Gainsborough, Lincolnshire

Commercial Mortgages & Property Finance in Gainsborough

Gainsborough is a West Lindsey market town on the River Trent, renowned as the setting for George Eliot's 'The Mill on the Floss'. The town's Old Hall is one of the best-preserved medieval manor houses in England. Gainsborough offers some of Lincolnshire's most affordable commercial property and is designated for significant housing growth in the local plan.

Gainsborough Town CentreMortonHeaphamLeaCorringham
£80
Avg Price/sq ft
7.5%
Average Yield
+11.8%
5yr Price Growth
+9.5%
5yr Rental Growth

Gainsborough Local Market Intelligence

Historic river town on Trent. George Eliot's Mill on the Floss setting. Growing regeneration.

— CMB Market Analysis

Key Industries

  • Manufacturing & Engineering
  • Agriculture
  • Retail
  • Logistics
  • Food Processing

Transport Links

  • Northern/East Midlands Railway to Sheffield/Lincoln
  • A631 to M180 (17 miles)
  • A156 to Lincoln
  • A159 to M180/Scunthorpe

Regeneration

Gainsborough town centre masterplan; Riverside Walk improvements; Gainsborough Old Hall heritage investment; Whites Wood housing; Warren Wood residential development; Trent Bridge area

Commercial Mortgages in Gainsborough

Whether you're acquiring office space, retail units, or industrial property in Gainsborough, 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 Lincolnshire, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Gainsborough 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 Gainsborough

When speed matters for your Gainsborough 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 Lincolnshire, 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 Gainsborough

For developers building in Gainsborough, 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 Lincolnshire. 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 Lincolnshire

Why Gainsborough for Commercial Property Investment

Lender Appetite

Good appetite for commercial regeneration.

Latest Commercial Property News in Gainsborough

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

Also Serving Across Lincolnshire

We provide commercial mortgages, bridging finance, and development finance throughout Lincolnshire.

Commercial Finance Across the UK

Calculate Your Gainsborough Property Finance

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