Spalding, Lincolnshire

Commercial Mortgages & Property Finance in Spalding

Spalding is the heart of South Holland's flower bulb and fresh produce industry, once famous for its Tulip Parade. The town sits on the River Welland in the rich agricultural Fenland, serving as a major centre for horticulture, food processing, and fresh produce logistics. Spalding's position on the A16/A17 corridor makes it a key distribution node for eastern England.

Spalding Town CentrePinchbeckSurfleetMoultonHolbeach
£100
Avg Price/sq ft
6.8%
Average Yield
+12.5%
5yr Price Growth
+9.8%
5yr Rental Growth

Spalding Local Market Intelligence

Heart of South Holland fenland. Major bulb and flower industry. Strong food processing.

— CMB Market Analysis

Key Industries

  • Horticulture & Flower Bulbs
  • Food Processing
  • Agriculture
  • Logistics
  • Retail

Transport Links

  • East Midlands Railway to Peterborough (35 mins)
  • A16 to Boston/Grimsby
  • A17 to Sleaford/King's Lynn
  • A151 to Bourne/A1

Regeneration

Spalding town centre improvements; Holland Park housing (2,000+ homes); Vernatt's development area; South Holland Centre investment; Springfields outlet centre expansion; flood risk management

Commercial Mortgages in Spalding

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

When speed matters for your Spalding 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 Spalding

For developers building in Spalding, 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 Spalding for Commercial Property Investment

Lender Appetite

Good appetite for agricultural properties.

Latest Commercial Property News in Spalding

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

Calculate Your Spalding Property Finance

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