Newtownards, Northern Ireland

Commercial Mortgages & Property Finance in Newtownards

Newtownards is a large town at the head of Strangford Lough in County Down, the gateway to the Ards Peninsula and its remarkable lough-side landscape. The town has a substantial retail offer at Ards Shopping Centre, a rich monastic heritage at Movilla Abbey, and serves as the main commercial centre for the Ards and North Down area.

Newtownards Town CentreArds Shopping CentreScrabo TowerMovillaGreenwell Street
£95
Avg Price/sq ft
6.5%
Average Yield
+11%
5yr Price Growth
+8.5%
5yr Rental Growth

Newtownards Local Market Intelligence

Ards Peninsula gateway. Scrabo Tower views. Strong retail catchment.

— CMB Market Analysis

Key Industries

  • Retail
  • Manufacturing
  • Healthcare
  • Agriculture
  • Tourism (Strangford Lough)

Transport Links

  • A20 to Belfast (10 miles)
  • A21 to Bangor
  • A22 to Downpatrick
  • Strangford Lough access

Regeneration

Newtownards town centre improvement; Ards Shopping Centre investment; Conway Square enhancement; Castlebawn mixed-use; Whitespots Country Park; Portaferry Road housing

Commercial Mortgages in Newtownards

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

When speed matters for your Newtownards 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 Newtownards

For developers building in Newtownards, 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 Newtownards for Commercial Property Investment

Lender Appetite

Good appetite for commercial.

Latest Commercial Property News in Newtownards

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

Calculate Your Newtownards Property Finance

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