CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Gillingham and Kent. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Gillingham commercial property delivers 6.4% average yield.
Gillingham yields sit above the UK commercial average, supporting income-driven debt structures and SPV-led acquisitions.
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 Gillingham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Largest Medway town by population with solid local economy. Industrial estates in demand. Competitive values attract first-time investors.”
, CMB Market Analysis
Town centre improvements; Rainham industrial enhancement; waterfront access improvements
The Kent regional briefing covering Gillingham and the wider region. A Q2 2026 commercial property briefing on Kent, the South East's largest and most varied commercial market, running from the M25 belt at Dartford and Sevenoaks through the Medway towns and the Garden of England farmland to the Channel ports. We cover transaction depth across twenty-five towns, recent Acuitus auction prints clearing between roughly four and twelve percent, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
100 commercial sales in Gillingham across the last 60 months, sourced from HM Land Registry Price Paid Data. 8 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
156c, High Street, Rainham, Gillingham
30 - 32, Ground Floor, High Street, Gillingham
Kingsmead Business Park, Unit 20, Gillingham
142, High Street, Rainham, Gillingham
Springfield House, Bugley, Gillingham
Hoath Business Centre, Unit 1, Hoath Lane, Gillingham
Plot 7, Hurstwood Road, Bredhurst, Gillingham
16, High Street, Gillingham
Voscombe Farm, Bourton, Gillingham
Bridge Cottage, Buckhorn Weston, Gillingham
22 - 32, Canterbury Street, Gillingham
376, Canterbury Street, Gillingham
70, East Street, Gillingham
362, Park Lodge, Canterbury Street, Gillingham
50, Watling Street, Gillingham
15, Mariners View, Gillingham
4, Marsh Lane, Gillingham, Beccles
64, Lakeside Drive, Gillingham
2, Moat Way, Gillingham
115, Nelson Road, Gillingham
Tinkers Farm, Quarr, Gillingham
1, Queens Farm Court, Gillingham
10, Queen Street, Gillingham
27, Chaffinch Chase, Gillingham
Meadowside, The Common, East Stour, Gillingham
287, Capstone Road, Gillingham
Coachmans Corner, The Chantry, The Square, Gillingham
26, Sandown Drive, Rainham, Gillingham
Sewage Treatment Works, New Road, Gillingham
305, Lonsdale Drive, Gillingham
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 Gillingham 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 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 ProfileWhat makes Gillingham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
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.
Standard lender appetite for mainstream properties. Industrial and trade counter well-supported.
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.
Commercial property news for Gillingham will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Kent.
Commercial mortgage services available across Gillingham and surrounding areas. View larger map
Recent sales, planning movement and market signals for Gillingham, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 100 commercial property transactions in the Gillingham area over the past 60 months, with a median sale price of £226k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of 156c, High Street, Rainham, Gillingham for £685,000 in Q1 2026, one of 2 commercial transactions recorded in the Gillingham area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Gillingham, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Gillingham deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in Kent.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Gillingham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 100 commercial property transactions in Gillingham during the most recent reporting window. The median commercial sale price is £226,000, with the middle 50% of deals between £175,000 and £290,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Gillingham is £226,000. Smaller end deals (lower quartile) sit around £175,000, while larger transactions (upper quartile) reach £290,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Gillingham.
The most active commercial sectors in Gillingham (by recorded transaction count) are: retail (4 transactions), office (3 transactions), land (1 transaction). 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 Gillingham. 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 Gillingham. We will review the asset, sector, deal structure and lender appetite specific to Gillingham and come back with an indicative rate, LTV and term within 24 to 48 hours.