Ripon, North Yorkshire

Commercial Mortgages & Property Finance in Ripon

Ripon is England's third-smallest city, famous for its cathedral (one of the oldest in England), the Hornblower ceremony performed every night since AD 886, and Studley Royal Water Garden (UNESCO World Heritage Site). The city has a charming market place and serves as a gateway to the Yorkshire Dales, with Fountains Abbey nearby drawing significant visitor numbers.

Ripon Town CentreRipon CathedralFountains AbbeySharowStudley Royal
£195
Avg Price/sq ft
5.2%
Average Yield
+12.5%
5yr Price Growth
+9%
5yr Rental Growth

Ripon Local Market Intelligence

Cathedral city with UNESCO World Heritage Site at Fountains Abbey. Strong tourism and heritage.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage
  • Agriculture
  • Independent Retail
  • Healthcare
  • Education

Transport Links

  • A1(M) Junction 48 (2 miles)
  • A61 to Harrogate (12 miles)/Leeds
  • B6265 to Pateley Bridge/Dales
  • No direct rail (nearest: Harrogate/Thirsk)

Regeneration

Ripon city centre conservation; Studley Royal/Fountains Abbey World Heritage Site investment; Cathedral quarter improvements; Ripon Barracks redevelopment (future major site); Market Place enhancement

Commercial Mortgages in Ripon

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

Our ex-banker team understands the Ripon 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 Ripon

When speed matters for your Ripon 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 North Yorkshire, 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 Ripon

For developers building in Ripon, 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 North Yorkshire. 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 North Yorkshire

Why Ripon for Commercial Property Investment

Lender Appetite

Good appetite for heritage properties.

Latest Commercial Property News in Ripon

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

Calculate Your Ripon Property Finance

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