Berwick-upon-Tweed, Northumberland

Commercial Mortgages & Property Finance in Berwick-upon-Tweed

Berwick-upon-Tweed is England's most northerly town, sitting on the Scottish border with a remarkable set of Elizabethan walls, a stunning Royal Border Bridge by Robert Stephenson, and a history of changing hands between England and Scotland 14 times. The town has a distinctive Anglo-Scottish character and serves as a gateway to both Northumberland and the Scottish Borders.

Berwick Town CentreTweedmouthSpittalBerwick BarracksScremerston
£130
Avg Price/sq ft
5.8%
Average Yield
+12%
5yr Price Growth
+9%
5yr Rental Growth

Berwick-upon-Tweed Local Market Intelligence

England's northernmost town with remarkable fortifications. Strong tourism. Border town character.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage
  • Agriculture & Fishing
  • Retail
  • Healthcare
  • Professional Services

Transport Links

  • LNER East Coast Main Line to Edinburgh (45 mins)/Newcastle (50 mins)
  • A1 trunk road (adjacent)
  • A698 to Kelso/Scottish Borders
  • Berwick harbour and quay

Regeneration

Berwick town centre conservation; barracks cultural quarter; riverside and quay improvements; Berwick Academy campus; Tweedmouth housing; cross-border tourism initiatives

Commercial Mortgages in Berwick-upon-Tweed

Whether you're acquiring office space, retail units, or industrial property in Berwick-upon-Tweed, 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 Northumberland, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Berwick-upon-Tweed 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 Berwick-upon-Tweed

When speed matters for your Berwick-upon-Tweed 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 Northumberland, 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 Berwick-upon-Tweed

For developers building in Berwick-upon-Tweed, 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 Northumberland. 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 Northumberland

Why Berwick-upon-Tweed for Commercial Property Investment

Lender Appetite

Selective appetite for heritage properties.

Latest Commercial Property News in Berwick-upon-Tweed

Commercial property news for Berwick-upon-Tweed will appear here once available. Check back soon for the latest market updates.

Also Serving Across Northumberland

We provide commercial mortgages, bridging finance, and development finance throughout Northumberland.

Commercial Finance Across the UK

Calculate Your Berwick-upon-Tweed Property Finance

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