Sevenoaks, Kent

Commercial Mortgages in Sevenoaks

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

£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

Why Choose CMB in Sevenoaks

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:Sevenoaks Town CentreRiverheadBat & BallDunton GreenWeald

Sevenoaks Local Market Intelligence

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

Sevenoaks Commercial Property Market Data

Commercial Property Values in Sevenoaks

Property TypePrime / Grade ASecondaryMarket Range
Office£15 psf£6 psf£6 - £15 psf
Retail / Shop£28 psf£10 psf£10 - £28 psf
Industrial£7 psf£4 psf£4 - £7 psf

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

Investment Yields in Sevenoaks

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

Sevenoaks Market Trends

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

Investor appetite for Sevenoaks commercial property remains steady, with office & professional services assets attracting the most interest.

Recent Commercial Property Transactions in Sevenoaks

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

OfficeQ4 2025

Open-plan office suite with parking, Weald

6,166 sq ft
£53,000 - £58,000
£9 psf9.9% yield
RetailQ1 2026

High street retail unit, Riverhead

1,648 sq ft
£17,000 - £19,000
£11 psf7.4% yield
IndustrialQ4 2025

Manufacturing unit with loading, Sevenoaks Town Centre

29,984 sq ft
£114,000 - £126,000
£4 psf6.1% yield
Care HomeQ3 2025

25-bed care home, recently refurbished, Sevenoaks Town Centre

25 beds
£975,000 - £1,075,000
7.4% yield
Mixed-UseQ1 2026

Retail unit with 2 flats above, Sevenoaks Town Centre

4,978 sq ft
£851,000 - £941,000
£180 psf7.5% yield

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

Our Services in Sevenoaks

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 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.

View Full Profile

Why Sevenoaks for Commercial Property Investment

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.

Why Invest in Sevenoaks

Sevenoaks is one of the most affluent commuter towns in England, with fast trains to London in 25 minutes and a prestigious address that attracts high-net-worth residents. The commercial property market benefits from strong demand across Financial Services, Professional Services, Boutique Retail sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 4.5% and 11% price growth over five years, Sevenoaks offers compelling returns for commercial property investors. Excellent connectivity via Southeastern to London (25 mins) supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Limited due to Green Belt and conservation, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Competition for quality commercial stock in Sevenoaks has increased as investor demand spreads beyond core cities. Understanding local planning policies and Section 106 requirements is essential for development-led strategies.

Notable Developments

Sevenoaks's commercial property landscape has been shaped by Limited due to Green Belt and conservation. Growth in the Financial Services sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

The local planning authority for Sevenoaks operates within Kent, with policies that support sustainable commercial development and town centre vitality. The local plan identifies key development sites and employment areas, and the council has demonstrated a pragmatic approach to commercial property applications.

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

Pre-populated with local market data

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

Sevenoaks Location

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

Sevenoaks Commercial Property FAQ

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

Office rents in Sevenoaks range from approximately £6 per square foot for secondary space up to £15 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £9 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Sevenoaks?

Investment yields in Sevenoaks vary by property type and grade. Current indicative yields are: offices at 6.85%-9.7%, retail at 6.96%-10.91%, industrial at 6.39%-9.24%, residential single-let at 7.68%, HMOs at 9.33%. 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 Sevenoaks?

Sevenoaks's commercial property market includes offices, retail units, industrial premises, care homes. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

What are HMO yields in Sevenoaks?

HMO investments in Sevenoaks can achieve yields of approximately 9.33%, compared to 7.68% for standard single-let properties. Sevenoaks 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 Sevenoaks?

Care homes in Sevenoaks typically trade at around £39,050 per registered bed. A typical 29-bed home would therefore be valued between £781k and £2.3m. 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 Sevenoaks project?

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