Manchester commercial mortgages by property type

Lender appetite, LTV bands, cover tests (ICR / DSCR / EBITDA) and rate ranges differ materially per sector. Pick your asset class for the lender shortlist that actually writes that sector.

12 commercial sectors covered

Each sector page covers the specific lender appetite, LTV cap, cover test, typical rate band, and Manchester-market context for that asset class, including which of our 90+ panel lenders write the sector and which decline.

Retail

Investment finance for let retail property and owner-occupier finance for independent retailers buying their unit.

Lender appetite and rates →

Office

Investment and owner-occupier mortgage finance for Manchester office property.

Lender appetite and rates →

Industrial & warehouse

Industrial & Warehouse

Investment and owner-occupier finance for B2 / B8 industrial property and trade-counter units across Trafford Park, Sharston, Cheetham Hill and the M60 corridor.

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Leisure & hospitality

Leisure & Hospitality

Trading-business and investment finance for hotels, aparthotels, gyms, restaurant-led leisure and F&B-anchored venues.

Lender appetite and rates →

Healthcare

Healthcare & Care Home

Trading-business mortgage finance for care homes, GP surgeries, dental practices and other healthcare property.

Lender appetite and rates →

Pub & restaurant

Pub & Restaurant

Specialist licensed-trade commercial mortgages for freehold pubs, gastropubs, wet-led pubs and restaurants.

Lender appetite and rates →

MOT, garage & petrol

MOT, Garage & Petrol Forecourt

Specialist trading-business finance for MOT centres, vehicle workshops, body shops and petrol forecourts across Manchester and the M60 corridor.

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Nursery & school

Nursery & School

Trading-business commercial mortgages for day nurseries, pre-schools and small independent schools across Manchester.

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Mixed-use

Mixed-Use

Single-facility commercial mortgages for predominantly-commercial mixed-use property, retail with residential, office with residential, leisure with operator residential.

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Semi-commercial

Semi-Commercial

Single-facility commercial mortgages for the shop-with-flat-above archetype and other residential-commercial mixed assets where residential floorspace is 40%+.

Lender appetite and rates →

HMO block

HMO Block

Specialist commercial mortgages for licensed HMO blocks of five rooms or more, student-let and professional-let.

Lender appetite and rates →

Holiday-let portfolio

Holiday-Let Portfolio

Specialist commercial mortgages for serviced-apartment and FHL (furnished holiday let) portfolios across Manchester city centre.

Lender appetite and rates →

Unsure which sector best fits your deal?

Send the property and trading details. We'll come back with indicative terms from three to five lenders within 48 hours.

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