Scarborough, North Yorkshire

Commercial Mortgages & Property Finance in Scarborough

Scarborough is Yorkshire's premier seaside resort, a town with two magnificent bays divided by a dramatic castle headland. The town combines traditional seaside attractions with a growing creative economy at Woodend creative workspace and the Stephen Joseph Theatre (home of Alan Ayckbourn's premieres). The South Bay and harbour, North Bay with its Peasholm Park, and the Spa create diverse visitor draws.

Scarborough Town CentreSouth BayNorth BayEastfieldSeamer
£140
Avg Price/sq ft
6.2%
Average Yield
+15.5%
5yr Price Growth
+11.8%
5yr Rental Growth

Scarborough Local Market Intelligence

Traditional seaside resort with strong tourism. Growing creative sector. Heritage attractions.

— CMB Market Analysis

Key Industries

  • Tourism & Hospitality
  • Creative Arts & Theatre
  • Healthcare
  • Retail
  • Fishing

Transport Links

  • TransPennine Express to York (50 mins)/Manchester
  • A64 to York (40 miles)/M1
  • A170 to Thirsk/A19
  • Scarborough Harbour

Regeneration

Scarborough town centre regeneration; West Pier development; former Futurist Theatre site; South Bay seafront improvements; Creative Industries Quarter; ARGOS building conversion; Scarborough Business Park

Commercial Mortgages in Scarborough

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

When speed matters for your Scarborough 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 Scarborough

For developers building in Scarborough, 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 Scarborough for Commercial Property Investment

Lender Appetite

Selective appetite. Tourism sector understood.

Latest Commercial Property News in Scarborough

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

Calculate Your Scarborough Property Finance

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