Kensington, Greater London

Commercial Mortgages in Kensington

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Kensington and Greater London.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£1250
Avg Price/sq ft
3.2%
Average Yield
+8.5%
5yr Price Growth
+5.2%
5yr Rental Growth

Why Choose CMB in Kensington

Direct relationships with executives and board members of the UK's leading lenders

Ex-Banking Background

Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out

Board-Level Access

Direct relationships with lender decision-makers for faster approvals and better terms

£300M+ Track Record

Proven success arranging complex commercial property finance across the UK

Kensington Local Market Intelligence

Ultra-prime location with constrained supply. International buyer activity remains significant. Retail challenging but luxury resilient.

— CMB Market Analysis

Key Industries

  • Luxury Retail
  • Art & Antiques
  • Professional Services
  • Hospitality
  • Private Healthcare

Transport Links

  • District, Circle, Central lines
  • Multiple Underground stations
  • A4 corridor

Regeneration

Earl's Court massive regeneration scheme; selective infill development in conservation areas

Kensington Commercial Property Market Data

Commercial Property Values in Kensington

Property TypePrime / Grade ASecondaryMarket Range
Office£76 psf£26 psf£26 - £76 psf
Retail / Shop£201 psf£67 psf£67 - £201 psf
Industrial£20 psf£13 psf£13 - £20 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Kensington

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Kensington Market Trends

Office Vacancy
Falling
Industrial Demand
Moderate
Retail Footfall
Declining
Residential Investment
Moderate
Dominant sector:Office & Professional Services

Kensington benefits from growing private investor interest, particularly in office & professional services opportunities.

Recent Commercial Property Transactions in Kensington

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ4 2025

Grade A office suite, Earl's Court

7,720 sq ft
£491,000 - £543,000
£67 psf5.7% yield
RetailQ3 2025

Ground floor shop with A1 use, King's Road

3,416 sq ft
£740,000 - £818,000
£228 psf3.7% yield
IndustrialQ4 2025

Manufacturing unit with loading, Kensington High Street

25,040 sq ft
£547,000 - £605,000
£23 psf3.4% yield
Care HomeQ1 2026

61-bed registered care home with gardens, King's Road

61 beds
£7,790,000 - £8,610,000
5.8% yield
Pub/RestaurantQ1 2026

Licensed premises with flat above, Earl's Court

£1,210,000 - £1,335,000
6.35% yield
Mixed-UseQ3 2025

Mixed-use building with commercial ground floor and residential above, Earl's Court

6,232 sq ft
£3,351,000 - £3,704,000
£566 psf4.9% yield
Residential BlockQ3 2025

22-unit purpose-built apartment block, King's Road

22 units
£4,780,000 - £5,285,000
3.6% yield
Development SiteQ1 2026

Development site with planning for 8 residential units, Kensington High Street

8 units
£305,000 - £335,000

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

Our Services in Kensington

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions — decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects — structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

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 Kensington. 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 Profile

Why Kensington for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 3.2% across the local market
  • 8.5% property price growth over the past five years
  • 5.2% rental growth over five years supporting income returns
  • Strong occupier demand from Luxury Retail and Art & Antiques sectors
  • Excellent transport connectivity including District, Circle, Central lines
  • Active regeneration programmes driving future capital growth

Development Opportunities

Kensington presents development opportunities linked to Earl's Court massive regeneration scheme. Growing demand from the Luxury Retail sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.

Lender Appetite

Strong appetite for quality assets despite prime pricing. Private banks active alongside specialist lenders.

Property Types We Finance

Office SpaceServiced OfficesMixed-Use DevelopmentResidential DevelopmentHMO

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Kensington and the wider Greater London region, from commercial property purchases to development and refurbishment projects.

Why Invest in Kensington

Kensington & Chelsea offers London's most prestigious commercial property, from world-famous retail on King's Road to prime office space. The commercial property market benefits from strong demand across Luxury Retail, Art & Antiques, Professional Services sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 3.2% and 8.5% price growth over five years, Kensington offers compelling returns for commercial property investors. Excellent connectivity via District, Circle, Central lines supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Earl's Court massive regeneration scheme, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

High entry costs and intense competition for prime assets remain key challenges. Planning restrictions in conservation areas and limited development land require specialist financing knowledge and strong lender relationships.

Notable Developments

Kensington's commercial property landscape has been shaped by Earl's Court massive regeneration scheme. Growth in the Luxury Retail sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Planning policy in Kensington is set by Greater London council through its adopted local plan. The authority supports commercial investment and has allocated sites for employment and mixed-use development. Pre-application advice is available and recommended for larger schemes to navigate local requirements efficiently.

Latest Commercial Property News in Kensington

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

Kensington Commercial Mortgage Calculator

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Kensington Location

Commercial mortgage services available across Kensington and surrounding areas. View larger map

Kensington Commercial Property FAQ

What is the average office rent per square foot in Kensington?

Office rents in Kensington range from approximately £26 per square foot for secondary space up to £76 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £59 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Kensington?

Investment yields in Kensington vary by property type and grade. Current indicative yields are: offices at 3.5%-5.36%, retail at 3.71%-4.83%, industrial at 3.64%-5.3%, residential single-let at 3.88%, HMOs at 5.04%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Kensington?

Kensington's commercial property market includes offices, retail units, industrial premises, residential investment blocks, care homes, hotels and guest houses, pubs and restaurants. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

How much does a residential investment block cost in Kensington?

Residential investment blocks in Kensington typically trade at around £267,850 per unit, or approximately £623 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 3.88%, with HMO conversions achieving up to 5.04%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What are HMO yields in Kensington?

HMO investments in Kensington can achieve yields of approximately 5.04%, compared to 3.88% for standard single-let properties. Kensington has established HMO demand in key residential areas. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.

What is the average price per bed for care homes in Kensington?

Care homes in Kensington typically trade at around £117,740 per registered bed. A typical 39-bed home would therefore be valued between £2.4m and £7.1m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.

Ready to discuss your Kensington project?

Speak with our specialist team today and get a decision in principle within 48 hours.