Whitley Bay, Tyne and Wear

Commercial Mortgages & Property Finance in Whitley Bay

Whitley Bay is a North Tyneside seaside town that is experiencing a remarkable renaissance, with the restored Spanish City dome (a stunning Edwardian pleasure palace) as its centrepiece. The town's sweeping bay, independent coffee shops and restaurants, and Metro connectivity to Newcastle have made it increasingly popular with young professionals and families, driving a property market revival.

Whitley Bay Town CentreSpanish CitySeaton SluiceMonkseatonCullercoats
£135
Avg Price/sq ft
5.8%
Average Yield
+18.5%
5yr Price Growth
+14%
5yr Rental Growth

Whitley Bay Local Market Intelligence

Classic seaside resort. Spanish City restored. Growing tourism economy.

— CMB Market Analysis

Key Industries

  • Tourism & Hospitality
  • Retail
  • Creative Industries
  • Healthcare
  • Education

Transport Links

  • Tyne and Wear Metro to Newcastle (25 mins)
  • A19 to Cramlington/Sunderland
  • A191 coast road to Tynemouth
  • Whitley Bay seafront and promenade

Regeneration

Spanish City restoration (completed); Whitley Bay Master Plan; seafront promenade enhancement; Northern Promenade; Whitley Road improvements; Park View neighbourhood; former Rex Hotel site

Commercial Mortgages in Whitley Bay

Whether you're acquiring office space, retail units, or industrial property in Whitley Bay, 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 Tyne and Wear, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Whitley Bay 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 Whitley Bay

When speed matters for your Whitley Bay 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 Tyne and Wear, 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 Whitley Bay

For developers building in Whitley Bay, 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 Tyne and Wear. 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 Tyne and Wear

Why Whitley Bay for Commercial Property Investment

Lender Appetite

Good appetite with Spanish City success.

Latest Commercial Property News in Whitley Bay

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

Calculate Your Whitley Bay Property Finance

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