Sevenoaks, KentLocal lender appetite and market data

Specialist Commercial Mortgage Broker in Sevenoaks

CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Sevenoaks and Kent. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£420
Avg Price/sq ft
4.5%
Average Yield
+11%
5yr Price Growth
+7.8%
5yr Rental Growth

Sevenoaks commercial mortgage brokers, ex-bankers with direct lender access

CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial 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

Sevenoaks commercial property market signals

The factors lenders weigh when assessing Sevenoaks commercial mortgages, sector demand, transport connectivity and active regeneration programmes.

Affluent commuter town with premium retail rents. Strong demand for quality office space from professional services. Limited new supply maintains values.

, CMB Market Analysis

Key Industries

  • Financial Services
  • Professional Services
  • Boutique Retail
  • Private Healthcare
  • Education

Transport Links

  • Southeastern to London (25 mins)
  • M25 Junction 5 (3 miles)
  • M26 Junction 2a (5 miles)
  • A25 to Maidstone/Guildford

Regeneration

Limited due to Green Belt and conservation; Sevenoaks town centre public realm enhancement; Bat and Ball station restoration; Tubs Hill station area; Northern Sevenoaks masterplan

Listen: Kent Q1 2026 commercial property briefing

The Kent regional briefing covering Sevenoaks 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.

HMLR transaction evidence

Sevenoaks commercial property transaction evidence

167 commercial sales in Sevenoaks across the last 60 months, sourced from HM Land Registry Price Paid Data. 47 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.

Source sales
167
60-month window
Shown below
30
recent examples
Filter transaction evidence
All commercial transactions in Sevenoaks
167transactions
Sample: showing 30 recent sales below
OfficeQ4 2025

Saxon House, 140, 6, Seal Road, Sevenoaks

Sale price
£92,750
IndustrialQ4 2025

Mill Place, Unit 4, Platt Industrial Estate, Platt, Sevenoaks

Sale price
£8,700,000
RetailQ4 2025

146 - 148, High Street, Sevenoaks

Sale price
£1,445,000
RetailQ4 2025

156, High Street, Sevenoaks

Sale price
£790,000
OfficeQ4 2025

Gloucester House, Lansdowne Road, Sevenoaks

Sale price
£3,501,500
OfficeQ3 2025

Pinehurst House, Pinehurst, Sevenoaks

Sale price
£3,280,000
OfficeQ3 2025

Alexander House, 39, London Road, Sevenoaks

Sale price
£3,000,000
RetailQ2 2025

1, The White Hart Parade, Riverhead, Sevenoaks

Sale price
£130,000
RetailQ2 2025

2, The White Hart Parade, Riverhead, Sevenoaks

Sale price
£130,000
RetailQ2 2025

2, The White Hart Parade, Riverhead, Sevenoaks

Sale price
£387,500
RetailQ2 2025

1, The White Hart Parade, Riverhead, Sevenoaks

Sale price
£1,210,000
AgriculturalQ2 2025

St Edward The Confessor Church, Long Barn Road, Weald, Sevenoaks

Sale price
£758,000
Land / PlotsQ2 2025

Plot Or71b, Filston Lane, Sevenoaks

Sale price
£4,500
OfficeQ2 2025

Walker House, London Road, Riverhead, Sevenoaks

Sale price
£1,950,000
RetailQ2 2025

151, High Street, Sevenoaks

Sale price
£228,000
Land / PlotsQ2 2025

Lakeview Developments, Plot 280, Chevening Road, Chipstead, Sevenoaks

Sale price
£41,500
RetailQ2 2025

25, High Street, Borough Green, Sevenoaks

Sale price
£270,000
OfficeQ2 2025

Unit B3, Chaucer Business Park, Kemsing, Sevenoaks

Sale price
£575,000
IndustrialQ1 2025

17, Blue Chalet Industrial Park, West Kingsdown, Sevenoaks

Sale price
£150,000
RetailQ1 2025

Garage 11, River Parade, Riverhead, Sevenoaks

Sale price
£38,500
OfficeQ1 2025

Unit D4, Chaucer Business Park, Kemsing, Sevenoaks

Sale price
£325,000
RetailQ1 2025

150, High Street, Sevenoaks

Sale price
£1,005,360
IndustrialQ4 2024

Clearways Industrial Estate, Unit 8, London Road, West Kingsdown, Sevenoaks

Sale price
£245,000
OfficeQ4 2024

Reed House, The Street, Plaxtol, Sevenoaks

Sale price
£1,715,000
AgriculturalQ4 2024

The Barn, Manor Drive, Hartley, Longfield

Sale price
£296,000
Land / PlotsQ4 2024

Plot 2, Shoreham Lane, Halstead, Sevenoaks

Sale price
£210,000
RetailQ4 2024

29, High Street, Borough Green, Sevenoaks

Sale price
£260,000
Land / PlotsQ4 2024

Plot Or89, Filston Lane, Sevenoaks

Sale price
£29,000
OfficeQ4 2024

Unit B5, Chaucer Business Park, Kemsing, Sevenoaks

Sale price
£570,000
OfficeQ4 2024

Orchard House, Park Drive, Wrotham, Sevenoaks

Sale price
£920,000

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.

Sevenoaks commercial mortgages, bridging loans and development finance

Three core debt structures cover the majority of Sevenoaks commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.

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 Remortgage

Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan.

From £150,000Up to 75% LTV5-25 years (typical 5-year fixed reverting to variable)

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 Sevenoaks. 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.

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Sevenoaks commercial property investment fundamentals

What makes Sevenoaks fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.

Investment Highlights

  • Average commercial property yields of 4.5% across the local market
  • 11% property price growth over the past five years
  • 7.8% rental growth over five years supporting income returns
  • Strong occupier demand from Financial Services and Professional Services sectors
  • Excellent transport connectivity including Southeastern to London (25 mins)
  • Active regeneration programmes driving future capital growth

Development Opportunities

Sevenoaks presents development opportunities linked to Limited due to Green Belt and conservation. Growing demand from the Financial Services 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. Prime retail and offices particularly favoured by mainstream lenders.

Property Types We Finance

Office SpaceCommercial UnitsServiced OfficesEducational FacilitiesStudent Accommodation

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Sevenoaks and the wider Kent region, from office acquisitions to professional office relocations.

Need a commercial mortgage decision in Sevenoaks?

Our team will review your asset, sector and structure against current Sevenoaks lender appetite and come back with an indicative rate, LTV and term within 24–48 hours. No application until you're ready.

Latest Commercial Property News in Sevenoaks

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

Sevenoaks Commercial Mortgage Calculator

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Sevenoaks Location

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

Sevenoaks commercial mortgage FAQ

Data-grounded answers about commercial property finance in Sevenoaks, sourced from HM Land Registry transactions and our own deal flow.

How active is the commercial property market in Sevenoaks?

HM Land Registry recorded 167 commercial property transactions in Sevenoaks during the most recent reporting window. The median commercial sale price is £384,000, with the middle 50% of deals between £250,000 and £715,000. Source: HM Land Registry Price Paid Data (Category B records).

What is the typical commercial property price in Sevenoaks?

The median commercial sale price recorded by HM Land Registry in Sevenoaks is £384,000. Smaller end deals (lower quartile) sit around £250,000, while larger transactions (upper quartile) reach £715,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Sevenoaks.

Which commercial property sectors are most active in Sevenoaks?

The most active commercial sectors in Sevenoaks (by recorded transaction count) are: retail (15 transactions), office (13 transactions), land (10 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.

Can I get a commercial mortgage on a property in Sevenoaks?

Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Sevenoaks. 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.

How do I get a commercial mortgage quote for a property in Sevenoaks?

Call 07595 366094 or use the contact form to request a commercial mortgage quote in Sevenoaks. We will review the asset, sector, deal structure and lender appetite specific to Sevenoaks and come back with an indicative rate, LTV and term within 24–48 hours.

Ready to discuss your Sevenoaks project?

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