CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Kendal and Cumbria. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Kendal commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Gateway to Lake District with strong tourism. Kendal Mint Cake heritage. Premium property market.”
, CMB Market Analysis
Kendal Flood Risk Management Scheme (£80m+); South Lakeland House civic hub; town centre public realm improvements; Mintsfeet riverside quarter; Birthwaite Road employment area
The Cumbria regional briefing covering Kendal and the wider region. A Q2 2026 commercial property briefing on Cumbria, the second-largest English county by area but one of the thinnest commercial property markets in the North West. Carlisle anchors the border-city economy, Barrow-in-Furness the BAE Systems submarine programme, Workington and Whitehaven the Sellafield-anchored West Cumbria coast, and Kendal, Penrith, Windermere and Keswick the Lake District tourism corridor. We walk through the county's nine principal towns, the nine Acuitus auction lots that frame the yield picture, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
72 commercial sales in Kendal across the last 60 months, sourced from HM Land Registry Price Paid Data. 14 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Encore House, Main Street, Endmoor, Kendal
Birk Moss House, Crook, Kendal
Billy'S Space, 63, The Tavern, Main Street, Staveley, Kendal
Ghyll Bank Barn, Grayrigg, Kendal
Joiners Shop And Yard, Old Hutton, Kendal
Dillicar Common, Scufton House Allotments, Grayrigg, Kendal
Cracalt House, Natland, Kendal
Old Joinery Workshop, Bowston, Kendal
Gilpin Bridge Industrial Estate, Dobson Properties, Levens, Kendal
Unit 3e, Shap Road Industrial Estate, Kendal
Unit 3c, Shap Road Industrial Estate, Kendal
The Old Farmhouse, Lyth, Kendal
35, Market Place, Kendal
19, Chambers Close, Kendal
Talbot Insurance Brokers, Fleece Inn Yard, Kendal
79, Highgate, Kendal
1, Hawesmead Avenue, Kendal
4, Mill Yard, Kendal
82, Stramongate, Kendal
Station Works, Stockbeck, Kendal
C T Hayton LTD, Sandylands Road, Kendal
C T Hayton LTD, Sandylands Road, Kendal
Wee Cottage, 1, Crook, Kendal
42a, Lowther Park, Kendal
Billy'S Space, 63, The Tap Room, Main Street, Staveley, Kendal
24, Kirkland, Kendal
Kentmere Hall Estate, Kentmere, Kendal
44 - 46, Stricklandgate, Kendal
Brettargh Holt, The Villa, Levens, Kendal
Yard, 77, 4, Highgate, Kendal
Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.
Three core debt structures cover the majority of Kendal commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Kendal. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileWhat makes Kendal fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Kendal presents development opportunities linked to Kendal Flood Risk Management Scheme (£80m+). Growing demand from the Tourism & Outdoor Recreation sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Good appetite for quality properties.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Kendal and the wider Cumbria region, from commercial property purchases to professional office relocations.
Commercial property news for Kendal will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Cumbria.
Commercial mortgage services available across Kendal and surrounding areas. View larger map
Data-grounded answers about commercial property finance in Kendal, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 72 commercial property transactions in Kendal during the most recent reporting window. The median commercial sale price is £229,485, with the middle 50% of deals between £148,000 and £345,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Kendal is £229,485. Smaller end deals (lower quartile) sit around £148,000, while larger transactions (upper quartile) reach £345,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Kendal.
The most active commercial sectors in Kendal (by recorded transaction count) are: office (5 transactions), industrial (4 transactions), agri (2 transactions). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class — speak to our team for an indicative quote on the sector you are targeting.
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Kendal. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access — including the high-street banks, challenger lenders and specialist commercial funders.
Call 07595 366094 or use the contact form to request a commercial mortgage quote in Kendal. We will review the asset, sector, deal structure and lender appetite specific to Kendal and come back with an indicative rate, LTV and term within 24–48 hours.