Bangor, Wales

Commercial Mortgages & Property Finance in Bangor

Bangor is a university city in Gwynedd, North Wales, dramatically situated between the mountains of Snowdonia and the Menai Strait. Home to Bangor University, one of the oldest degree-awarding institutions in Wales, the city has a strong academic economy alongside tourism and public sector employment. The High Street runs steeply down to the waterfront, with commercial property opportunities in student accommodation, retail, and professional services. Bangor's position near the A55 expressway and Britannia Bridge to Anglesey gives it strategic connectivity across North Wales.

Bangor City CentreBangor UniversityUpper BangorHiraelGarth
£95
Avg Price/sq ft
7.5%
Average Yield
+6.5%
5yr Price Growth
+4.5%
5yr Rental Growth

Bangor Local Market Intelligence

Bangor University major employer. Gateway to Snowdonia. Strong student accommodation market.

— CMB Market Analysis

Key Industries

  • Higher Education & Research
  • Healthcare (Ysbyty Gwynedd)
  • Tourism & Outdoor Recreation
  • Retail & Student Services
  • Public Sector

Transport Links

  • Bangor railway station (North Wales Coast Line to Chester/London)
  • A55 expressway to Chester and Holyhead
  • Britannia Bridge to Anglesey
  • Snowdonia National Park (10 minutes south)

Regeneration

Bangor city centre regeneration including High Street improvements and waterfront development. Pontio Arts and Innovation Centre at Bangor University has revitalised the cultural quarter. Investment in the Menai Science Park on Anglesey supports the broader knowledge economy.

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 Wales, 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 Wales, 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 Wales. 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 Wales

Why Bangor for Commercial Property Investment

Lender Appetite

Good appetite. Education sector valued.

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.