Commercial Mortgages in Manchester
Buying premises, refinancing your business property or investing in commercial real estate? We source commercial mortgages and business finance from specialist lenders across the market.
Commercial lending is a world away from a residential mortgage. Lenders assess the business, the property and the deal together, terms are negotiated case by case, and the right lender depends heavily on the sector and the numbers.
We help Manchester businesses and investors finance everything from owner-occupied premises to mixed-use and investment property — presenting your case to the lenders most likely to fund it on competitive terms.
What we finance
- Owner-occupied premises — offices, retail, industrial units
- Commercial investment property and mixed-use buildings
- Refinancing existing business borrowing onto better terms
- Portfolio landlords moving into commercial or semi-commercial assets
How we help businesses
Whole-of-market sourcing
High-street banks, challenger banks and specialist commercial lenders — compared for fit.
Case presentation
We package your business and the deal so lenders see a fundable, well-structured proposition.
Sector knowledge
We understand how lenders view different trades, tenants and property types.
Beyond the mortgage
Bridging, development and refinancing options where a standard term loan isn't the answer.
Commercial Mortgages — your questions answered
Common questions we're asked about commercial mortgages in Manchester.
How much deposit do I need for a commercial mortgage?
Usually between 25% and 40% of the property value, depending on the lender, the sector and the strength of the business. Owner-occupied deals can sometimes be arranged with less.
How are commercial mortgages assessed?
Lenders look at both the business's trading performance and the property itself, plus your experience and the wider deal. Because terms are negotiated case by case, presentation matters — which is where a broker adds value.
Can you help with mixed-use or semi-commercial property?
Yes. Shops with flats above, mixed-use buildings and semi-commercial investments need lenders comfortable with the blend — we know which ones suit each scenario.
Do you arrange bridging or development finance?
We do. Where a standard commercial mortgage isn't the right tool — for a quick purchase or a refurbishment, for example — we can source bridging and development finance instead.
Other ways we can help
First-Time Buyer Mortgages
Get on the Manchester ladder with confidence.
Learn moreRemortgages
Switch deals and stop overpaying on rate.
Learn moreBuy-to-Let Mortgages
Build a Manchester rental portfolio.
Learn moreSelf-Employed Mortgages
Lenders who understand real accounts.
Learn moreBad Credit Mortgages
Specialist lenders for adverse credit.
Learn moreGet commercial mortgages advice in Manchester
Book a free consultation and we'll find the right lender for your situation — with no obligation to proceed.