Harrogate, North Yorkshire

Property Finance in Harrogate

Harrogate is an affluent spa town with strong conference sector and premium retail. The town offers quality property finance opportunities in an upscale setting.

Town CentreStarbeckKnaresboroughRiponWetherby
£295
Avg Price/sq ft
5%
Average Yield
+12.5%
5yr Price Growth
+8.5%
5yr Rental Growth

Why Choose CMB for Property Finance in Harrogate?

Led by ex-bankers and corporate financiers with direct relationships across the UK's leading lenders

Ex-Bankers & Financiers

Deep expertise from top-tier financial institutions with North Yorkshire market knowledge

Board-Level Access

Direct relationships with lender decision-makers for faster approvals

£1BN+ Track Record

Proven success in complex property finance across North Yorkshire

£1BN+
Funding Raised
250+
Successful Deals
48hrs
Decision Time
7 Days
Avg Turnaround

Harrogate Commercial Property Market

Premier conference destination with affluent catchment. Premium retail performing well. Strong professional services demand.

— CMB Market Analysis

Key Industries

  • Conferencing
  • Retail
  • Professional Services
  • Healthcare
  • Tourism

Transport Links

  • Harrogate rail station
  • A1(M) access
  • Leeds Bradford Airport

Lender Outlook

Strong appetite for quality assets. Premium location recognised.

Regeneration

Station Parade; town centre enhancement; convention centre development

Property Finance Services in Harrogate

We offer a complete range of property finance solutions for investors and developers in Harrogate and across North Yorkshire.

Development Finance

Specialist funding for ground-up construction and major refurbishment projects, providing flexible financing solutions for property developers.

From £150,000Up to 75% LTV
Development Finance in Harrogate

Commercial Bridging Loan

Fast, flexible short-term finance for commercial property transactions with decisions in as little as 48 hours and completion within days.

From £50,000Up to 75% LTV
Commercial Bridging Loan in Harrogate

HMO Finance

Specialist mortgages for Houses in Multiple Occupation, designed for landlords maximizing rental yields through multi-tenant properties.

From £50,000Up to 85% LTV
HMO Finance in Harrogate

Mezzanine Finance

Second charge lending that sits behind your primary mortgage, unlocking additional equity for property investment and development projects.

From £25,000Up to 90% LTV
Mezzanine Finance in Harrogate

Buy-to-Let

Residential investment property mortgages for individual landlords and portfolio investors, with products tailored to your investment strategy.

From £25,000Up to 80% LTV
Buy-to-Let in Harrogate

Commercial Mortgages

Long-term financing for commercial property purchases and refinancing, supporting business premises and investment property acquisitions.

From £50,000Up to 70% LTV
Commercial Mortgages in Harrogate

Bridging Loan

Fast, flexible short-term secured loans for property purchases, auction acquisitions, and chain breaks with funds available in days.

From £25,000Up to 80% LTV
Bridging Loan in Harrogate

Stretched Senior

Enhanced senior debt facilities offering higher leverage than standard development finance, reducing equity requirements for experienced developers.

From £500,000Up to 75% LTV
Stretched Senior in Harrogate

JV Equity

Joint venture equity partnerships providing development capital in exchange for profit share, ideal for developers seeking to scale without traditional debt.

From £1,000,000Up to 90% LTV
JV Equity in Harrogate

Development Exit Finance

Refinancing solutions for completed developments, replacing construction finance while units are sold or let, with lower rates than development loans.

From £250,000Up to 75% LTV
Development Exit Finance in Harrogate

How to Get Property Finance in Harrogate

Our streamlined process gets you from initial enquiry to funds in your account as quickly as possible

1

Initial Consultation

Speak with our team to discuss your project and finance requirements

2

Application & Documents

We handle the paperwork and submit to our panel of lenders

3

Decision in 48hrs

Receive terms from multiple lenders, typically within 48 hours

4

Funds Released

Complete legal process and receive funds, often within 7-14 days

Also Serving Across North Yorkshire

We provide property finance solutions throughout North Yorkshire.

Calculate Your Harrogate Property Finance

Use our interactive calculators to get instant estimates for your property finance needs.