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.
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 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
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
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.
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.
Saxon House, 140, 6, Seal Road, Sevenoaks
Mill Place, Unit 4, Platt Industrial Estate, Platt, Sevenoaks
146 - 148, High Street, Sevenoaks
156, High Street, Sevenoaks
Gloucester House, Lansdowne Road, Sevenoaks
Pinehurst House, Pinehurst, Sevenoaks
Alexander House, 39, London Road, Sevenoaks
1, The White Hart Parade, Riverhead, Sevenoaks
2, The White Hart Parade, Riverhead, Sevenoaks
2, The White Hart Parade, Riverhead, Sevenoaks
1, The White Hart Parade, Riverhead, Sevenoaks
St Edward The Confessor Church, Long Barn Road, Weald, Sevenoaks
Plot Or71b, Filston Lane, Sevenoaks
Walker House, London Road, Riverhead, Sevenoaks
151, High Street, Sevenoaks
Lakeview Developments, Plot 280, Chevening Road, Chipstead, Sevenoaks
25, High Street, Borough Green, Sevenoaks
Unit B3, Chaucer Business Park, Kemsing, Sevenoaks
17, Blue Chalet Industrial Park, West Kingsdown, Sevenoaks
Garage 11, River Parade, Riverhead, Sevenoaks
Unit D4, Chaucer Business Park, Kemsing, Sevenoaks
150, High Street, Sevenoaks
Clearways Industrial Estate, Unit 8, London Road, West Kingsdown, Sevenoaks
Reed House, The Street, Plaxtol, Sevenoaks
The Barn, Manor Drive, Hartley, Longfield
Plot 2, Shoreham Lane, Halstead, Sevenoaks
29, High Street, Borough Green, Sevenoaks
Plot Or89, Filston Lane, Sevenoaks
Unit B5, Chaucer Business Park, Kemsing, Sevenoaks
Orchard House, Park Drive, Wrotham, Sevenoaks
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 Sevenoaks 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 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 ProfileWhat makes Sevenoaks fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
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.
Strong appetite for quality assets. Prime retail and offices particularly favoured by mainstream lenders.
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.
Commercial property news for Sevenoaks 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 Sevenoaks and surrounding areas. View larger map
Recent sales, planning movement and market signals for Sevenoaks, drawn from HM Land Registry data and local authority planning registers.
10 relevant planning applications are awaiting decision with Sevenoaks District Council, proposing 19 units with an estimated gross development value of £6.7m.
Source: Sevenoaks District Council planning register
HM Land Registry data shows 167 commercial property transactions in the Sevenoaks area over the past 60 months, with a median sale price of £384k. 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 Mill Place, Unit 4, Platt Industrial Estate, Platt, Sevenoaks for £8,700,000 in Q4 2025, one of 5 commercial transactions recorded in the Sevenoaks 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 Sevenoaks, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Sevenoaks 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 Sevenoaks, sourced from HM Land Registry transactions and our own deal flow.
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).
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.
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.
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.
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 to 48 hours.