Gillingham, Kent

Commercial Mortgages in Gillingham

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

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£385
Avg Price/sq ft
6.4%
Average Yield
+12.3%
5yr Price Growth
+6.3%
5yr Rental Growth

Investment Hotspot

6.4% average yield

Gillingham stands out with above-average yields of 6.4%, making it one of the UK's most attractive commercial property markets for investors.

Why Choose CMB in Gillingham

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

Areas we cover:Gillingham Town CentreRainhamHempsteadWigmoreParkwood

Gillingham Local Market Intelligence

Largest Medway town by population with solid local economy. Industrial estates in demand. Competitive values attract first-time investors.

— CMB Market Analysis

Key Industries

  • Retail
  • Manufacturing
  • Logistics
  • Healthcare
  • Public Services

Transport Links

  • Southeastern rail
  • High Speed 1
  • M2 motorway
  • A2 corridor

Regeneration

Town centre improvements; Rainham industrial enhancement; waterfront access improvements

Gillingham Commercial Property Market Data

Commercial Property Values in Gillingham

Property TypePrime / Grade ASecondaryMarket Range
Office£21 psf£6 psf£6 - £21 psf
Retail / Shop£32 psf£19 psf£19 - £32 psf
Industrial£6 psf£4 psf£4 - £6 psf
Warehouse / Logistics£8 psf£9 psf£8 - £9 psf

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

Investment Yields in Gillingham

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

Gillingham Market Trends

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

Investor appetite for Gillingham commercial property remains strong, with industrial & logistics assets attracting the most interest.

Recent Commercial Property Transactions in Gillingham

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

OfficeQ4 2025

Refurbished office space, Hempstead

8,448 sq ft
£88,000 - £98,000
£11 psf8.5% yield
RetailQ3 2025

Lock-up shop unit, Gillingham Town Centre

3,650 sq ft
£121,000 - £134,000
£35 psf8% yield
IndustrialQ3 2025

Industrial workshop with office, Hempstead

22,544 sq ft
£150,000 - £166,000
£7 psf5.5% yield
Care HomeQ1 2026

64-bed registered care home with gardens, Parkwood

64 beds
£3,765,000 - £4,160,000
8.4% yield
Residential BlockQ1 2026

22-unit purpose-built apartment block, Gillingham Town Centre

22 units
£4,130,000 - £4,565,000
7.7% yield
Development SiteQ4 2025

Development site with planning for 8 residential units, Wigmore

8 units
£115,000 - £125,000
WarehouseQ3 2025

Cold storage warehouse unit

95,060 sq ft
£813,000 - £898,000
£9 psf6.2% yield
Mixed-UseQ4 2025

Mixed-use building with commercial ground floor and residential above, Rainham

2,670 sq ft
£604,000 - £667,000
£238 psf7.1% yield

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

Our Services in Gillingham

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 Gillingham. 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 Gillingham for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 6.4% across the local market
  • 12.3% property price growth over the past five years
  • 6.3% rental growth over five years supporting income returns
  • Strong occupier demand from Retail and Manufacturing sectors
  • Excellent transport connectivity including Southeastern rail
  • Active regeneration programmes driving future capital growth

Development Opportunities

Gillingham presents development opportunities linked to Town centre improvements. Growing demand from the 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

Standard lender appetite for mainstream properties. Industrial and trade counter well-supported.

Property Types We Finance

Retail UnitsHigh Street ShopsShopping CentresIndustrial UnitsFactory SpaceIndustrial/WarehouseDistribution CentresMedical/Dental Practices

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Gillingham and the wider Kent region, from retail unit purchases to industrial unit purchases.

Why Invest in Gillingham

Gillingham in Kent offers diverse commercial property opportunities for investors and developers. The commercial property market benefits from strong demand across Retail, Manufacturing, Logistics sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 6.4% and 12.3% price growth over five years, Gillingham offers compelling returns for commercial property investors. Excellent connectivity via Southeastern rail supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Town centre improvements, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Gillingham's commercial property market faces competition from nearby larger centres, which can limit tenant demand for certain asset types. Careful due diligence on local occupier markets and realistic yield expectations are essential for successful investment.

Notable Developments

Gillingham's commercial property landscape has been shaped by Town centre improvements. Growth in the Retail sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Planning policy in Gillingham is set by Kent 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 Gillingham

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

Gillingham Commercial Mortgage Calculator

Pre-populated with local market data

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Interest-only estimate. Actual terms subject to lender assessment.

Gillingham Location

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

Gillingham Commercial Property FAQ

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

Office rents in Gillingham range from approximately £6 per square foot for secondary space up to £21 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £10 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Gillingham?

Investment yields in Gillingham vary by property type and grade. Current indicative yields are: offices at 6.52%-8.69%, retail at 7.53%-8.51%, industrial at 5.78%-8.09%, residential single-let at 7.94%. 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 Gillingham?

Gillingham's commercial property market includes offices, retail units, industrial premises, warehouses and logistics units, residential investment blocks, care homes. 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 Gillingham?

Residential investment blocks in Gillingham typically trade at around £179,900 per unit, or approximately £190 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 7.94%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

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

Care homes in Gillingham typically trade at around £56,570 per registered bed. A typical 58-bed home would therefore be valued between £1.1m and £3.4m. 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 Gillingham project?

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