Carrickfergus, Northern Ireland

Commercial Mortgages & Property Finance in Carrickfergus

Carrickfergus is a historic town on the north shore of Belfast Lough, dominated by its spectacular Norman castle, one of the best-preserved in Ireland. The town has a strong heritage tourism draw, a well-preserved town centre, and benefits from its position on the Belfast commuter rail line. The marina and waterfront create an attractive commercial setting.

Carrickfergus Town CentreCarrickfergus CastleEdenSunnylandsWoodburn
£110
Avg Price/sq ft
6.2%
Average Yield
+11%
5yr Price Growth
+8.5%
5yr Rental Growth

Carrickfergus Local Market Intelligence

Historic Norman castle. Strong heritage tourism. Belfast commuter town.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage
  • Manufacturing
  • Retail
  • Marine Leisure
  • Healthcare

Transport Links

  • NI Railways to Belfast (20 mins)
  • A2 to Belfast/Larne
  • Carrickfergus Marina
  • M5/A2 motorway corridor

Regeneration

Carrickfergus castle and waterfront enhancement; town centre regeneration scheme; marina expansion; former Courtaulds site redevelopment; Copeland housing; amphitheatre area improvements

Commercial Mortgages in Carrickfergus

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

When speed matters for your Carrickfergus 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 Carrickfergus

For developers building in Carrickfergus, 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 Carrickfergus for Commercial Property Investment

Lender Appetite

Good appetite for tourism and residential.

Latest Commercial Property News in Carrickfergus

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

Calculate Your Carrickfergus Property Finance

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