Commercial Mortgages Trafford Park

The Trafford Park commercial property market

Trafford Park is the original purpose-built industrial estate in the UK, dating to 1896, and runs along the M60 corridor on the south-west edge of the Manchester conurbation. Around 1,400 acres of distribution, manufacturing, logistics and trade-counter stock. Major tenants include Kellogg's, Procter & Gamble, Adidas, Amazon distribution, Greater Manchester Combined Authority logistics centres and a long tail of SME manufacturers and trade-counter operators. The estate sits inside the City of Trafford metropolitan borough rather than the City of Manchester, but commercially functions as the central logistics hub of Greater Manchester.

Most Trafford Park commercial mortgage flow concentrates in three products. Light industrial and B2 owner-occupier, typically £500K to £2M facility at 70 to 75% LTV via Allica, HTB and YBS Commercial. Trade-counter freehold purchase, typically £300K to £1.5M facility at 70 to 75% LTV. And logistics investment in let B8 storage-and-distribution stock, typically £1.5M to £8M facility at 65 to 75% LTV through the mainstream commercial desks. Larger institutional logistics schemes route through OakNorth and specialist desks.

Pricing on Trafford Park owner-occupier industrial currently 6.0 to 7.5% pa at 70 to 75% LTV, among the keenest available CM rates in Greater Manchester reflecting strong industrial fundamentals. Trade-counter same pricing. Logistics investment with national-covenant 3PL tenants 6.5 to 7.5% pa. HM Land Registry residential temperature in the surrounding M16 / M17 catchment supports the resident workforce base. Stamp duty applies at the commercial rates on every freehold acquisition.

Active commercial property types in Trafford Park

Lender appetite for Trafford Park industrial owner-occupier and logistics investment

Owner-occupier industrial is strong across Allica, HTB and YBS Commercial at 70 to 75% LTV and 6.0 to 7.5% pa for SME B2 manufacturing covenants. Trade-counter same panel. Logistics investment with strong 3PL covenants competes across NatWest, Lloyds, Barclays, Santander, Shawbrook and Cambridge & Counties at 60 to 70% LTV. Larger institutional logistics routes through OakNorth, Reliance Bank and specialist desks. Refrigerated and cold storage attracts a narrower lender pool, with HTB and Cambridge & Counties most active. Commercial mortgages are unregulated and fall outside the FCA's regulated mortgage perimeter, and we do not hold FCA authorisation because the products we arrange are unregulated.