Bangor, Northern Ireland

Commercial Mortgages & Property Finance in Bangor

Bangor is a large seaside town on the southern shore of Belfast Lough, serving as one of Northern Ireland's most popular residential and commuter areas for Belfast. The town has an attractive marina, a Victorian seafront, and the Pickie Fun Park. Its proximity to Belfast and the North Down coastline support a premium property market by Northern Ireland standards.

Bangor Town CentreBangor MarinaBallyholmeGroomsportConlig
£130
Avg Price/sq ft
5.8%
Average Yield
+12%
5yr Price Growth
+9%
5yr Rental Growth

Bangor Local Market Intelligence

Coastal town with strong Belfast commuter links. Marina and sailing. Queen's Parade major development.

— CMB Market Analysis

Key Industries

  • Retail
  • Professional Services
  • Tourism & Leisure
  • Healthcare
  • Education

Transport Links

  • NI Railways to Belfast (30 mins)
  • A2 to Belfast/Holywood
  • A21 to Newtownards
  • Bangor Marina

Regeneration

Bangor waterfront and marina enhancement; Queen's Parade major mixed-use development; Main Street regeneration; Ward Park leisure investment; Bangor Abbey Quarter; coastal path improvements

Commercial Mortgages in Bangor

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

Our ex-banker team understands the Bangor 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 Bangor

When speed matters for your Bangor 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 Northern Ireland, 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 Bangor

For developers building in Bangor, 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 Northern Ireland. 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 Northern Ireland

Why Bangor for Commercial Property Investment

Lender Appetite

Good appetite with regeneration momentum.

Latest Commercial Property News in Bangor

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

Calculate Your Bangor Property Finance

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