CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Whitby and North Yorkshire. 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 Whitby commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Dracula heritage and Captain Cook. Strong tourism year-round. Fishing industry.”
, CMB Market Analysis
Whitby Church Street and harbourside improvements; Whitby Business Park; swing bridge area enhancement; Endeavour Wharf; West Cliff parking and access; marine coastal protection works
The North Yorkshire regional briefing covering Whitby and the wider region. A Q2 2026 commercial property briefing on North Yorkshire, England's largest historic county by area and the most landscape-constrained commercial property market in the north. We walk through York's Tier 1 anchor position, the Harrogate spa-town retail prints, the Scarborough coastal mixed-use clearing yield, and the Selby convenience-supermarket eleven-percent print, all framed by the Yorkshire Dales, North York Moors and Howardian Hills planning friction that defines the county.
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66 commercial sales in Whitby across the last 60 months, sourced from HM Land Registry Price Paid Data. 15 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Old Bears Barn, Lealholmside, Lealholm, Whitby
Low Gill Beck, Holly Barn, Glaisdale, Whitby
Manor Farm House, Normanby, Whitby
Station House, Lealholm Bank, Lealholm, Whitby
Farsyde House Farm, Fylingthorpe, Whitby
45, High Street, Castleton, Whitby
Burnt House Holiday Park, Ugthorpe, Whitby
4 - 6, High Street, Ruswarp, Whitby
The Shell Shop, New Road, Robin Hoods Bay, Whitby
Mallyan Spout Hotel, Goathland, Whitby
Royal Hotel, Whitby
Royal Hotel, Whitby
19, High Street, Ruswarp, Whitby
Church House, Flowergate, Whitby
The Old Cobblers Shop, Chapel Street, Robin Hoods Bay, Whitby
4 Brunswick Mews, Brunswick Street, Whitby
16 - 17, Baxtergate, Whitby
St. Johns Cottage, St Hildas Terrace, Whitby
Rake Farm, Glaisdale, Whitby
Wesley Hall, Church Street, Whitby
6, Lapwing Lane, Whitby
Scale Foot, Commondale, Whitby
Blacksmiths B & B, Fylingdales, Whitby
High Park Farm, Lealholm, Whitby
4, Baxtergate, Whitby
The Flask Inn, Fylingdales, Whitby
Wild Slack, Lealholm, Whitby
Whalers Cottage, 7a, Blackburns Yard, Whitby
Fylingdales Service Station, Fylingdales, Whitby
Low Laithes Farm, Hawsker, Whitby
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 Whitby 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 Whitby. 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 Whitby fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Whitby presents development opportunities linked to Whitby Church Street and harbourside improvements. Growing demand from the Tourism & Hospitality sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Good appetite for tourism properties.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Whitby and the wider North Yorkshire region, from commercial property purchases to development and refurbishment projects.
Commercial property news for Whitby will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout North Yorkshire.
Commercial mortgage services available across Whitby and surrounding areas. View larger map
Data-grounded answers about commercial property finance in Whitby, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 66 commercial property transactions in Whitby during the most recent reporting window. The median commercial sale price is £232,000, with the middle 50% of deals between £160,000 and £375,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Whitby is £232,000. Smaller end deals (lower quartile) sit around £160,000, while larger transactions (upper quartile) reach £375,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Whitby.
The most active commercial sectors in Whitby (by recorded transaction count) are: office (5 transactions), retail (5 transactions), hotel (3 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 Whitby. 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 Whitby. We will review the asset, sector, deal structure and lender appetite specific to Whitby and come back with an indicative rate, LTV and term within 24–48 hours.