Commercial Mortgages in Greater Manchester
A commercial mortgage funds the purchase or refinance of business property. CoreFi arranges commercial mortgages for Greater Manchester companies, from owner-occupied units in Trafford Park to investment premises in the city centre. We match your business to suitable lenders; terms depend on the property, the business and lender appetite.
A commercial mortgage lets a Greater Manchester business buy the premises it trades from, or refinance property it already owns, over a longer term than short-term facilities. CoreFi arranges commercial mortgages for businesses across the city region, principally limited companies, whether you are an owner-occupier buying a workshop unit in Trafford Park, a landlord acquiring retail space along Deansgate, or a manufacturer refinancing a site in Oldham or Rochdale. We work across a broad panel of lenders rather than a single bank, and we shape the case around your property and trading position. Every figure on this page is illustrative; actual terms always depend on the property, the business and individual lender appetite.
- 1
Tell us about the property and your business
Share the Greater Manchester property you want to buy or refinance, whether it is owner-occupied or investment, and a short picture of your trading. This lets us gauge which lenders are likely to consider the case.
- 2
We match you to suitable lenders
CoreFi reviews your case against our lender panel and identifies those whose criteria and appetite fit your property and business. We explain indicative structures without promising any specific rate or outcome.
- 3
You compare terms and proceed
Where a lender is interested, we help you understand the indicative terms and package the case for a decision. Any figures remain illustrative until a lender issues its own formal offer.
What a commercial mortgage covers
A commercial mortgage is secured lending against business property, typically over a longer term than bridging or short-term facilities. It is commonly used to buy the premises you already trade from, acquire a new site, or refinance an existing property loan onto better-suited terms. Lenders generally look at the property itself, your trading history and the affordability of the repayments. Loan-to-value, rate and term vary widely between lenders and cases; as an illustration only, owner-occupied commercial mortgages are often arranged around a majority of the property value, but the level available to your business depends entirely on the lender's assessment. Nothing here is a quote or an offer.
Owner-occupied versus investment property
There are two broad routes. An owner-occupied commercial mortgage funds premises your business operates from, for example a light-industrial unit in Trafford Park, a workshop in Salford or a trade counter in Bury. An investment or commercial buy-to-let mortgage funds property you let to a tenant, such as retail units in Altrincham, office space in Spinningfields or mixed-use buildings in the Northern Quarter. Lenders assess these differently: owner-occupied cases lean on your business accounts and affordability, while investment cases lean more on the rental income and tenant strength. CoreFi helps you identify which route fits and which lenders are likely to consider it.
Greater Manchester sectors and use cases
We see commercial mortgage enquiries across the city region's core sectors. Manufacturing and engineering businesses in Trafford Park, Oldham and Rochdale often buy or refinance industrial units and yards. Logistics and distribution operators near the M60 corridor and Manchester Airport acquire warehousing. Hospitality and leisure operators in the city centre, Ancoats and Chorlton buy freehold pubs, restaurants and cafes. Professional services, tech and creative firms around Spinningfields, MediaCity in Salford and the Northern Quarter take on office and studio space. Retailers along Market Street, in the Arndale's surrounding streets and in district centres like Stockport, Bolton and Wigan finance shop premises. Whatever the sector, the case is built around the specific property and your accounts.
How CoreFi arranges your commercial mortgage
CoreFi is a commercial finance broker. We arrange commercial finance for businesses, principally limited companies, and we are not a lender. We take a clear picture of the property, the purchase or refinance, and your trading position, then approach lenders whose criteria fit rather than sending you to a single bank. Because we work across a broad panel, we can compare structures, indicative terms and likely appetite before you commit. We cannot and do not guarantee approval or any particular rate; funding always depends on the business, the property and each lender's decision. What we do is give your case the best chance of reaching lenders who are a genuine fit.
What lenders typically want to see
For an owner-occupied commercial mortgage, lenders usually ask for recent business accounts, management figures, details of the property and its use, and evidence that the repayments are affordable from trading. For an investment property, expect more focus on the lease, tenant and rental income. Personal or director guarantees are common on smaller commercial mortgages. Deposit or equity requirements vary by lender and property type. Having accounts, bank statements and property details ready helps us present a clean case. None of these requirements is a promise of approval; they simply shape how a lender assesses a Greater Manchester business.
Frequently asked questions
Do you only arrange commercial mortgages in Manchester city centre?
No. We arrange commercial mortgages for businesses across the whole Greater Manchester region, including Trafford Park, Salford, Stockport, Bolton, Bury, Oldham, Rochdale, Wigan, Tameside and the areas around the M60 and Manchester Airport, as well as the city centre itself.
Is CoreFi FCA authorised?
CoreFi arranges commercial finance for businesses, principally limited companies. Broking unregulated commercial finance to limited companies does not require FCA authorisation, so we do not hold and do not claim FCA authorisation. We simply help you access suitable commercial lenders.
Can you guarantee I will get a commercial mortgage?
No. Nobody can honestly guarantee commercial finance. Whether a mortgage is available, and on what terms, depends on the property, your business and each lender's own assessment. What we do is match your case to lenders whose criteria fit and present it well.
What rate or loan-to-value can I expect?
We cannot quote a rate or loan-to-value in advance, and any figures we discuss are illustrative only. The level available to your business depends on the property type, your trading position and the individual lender. A formal offer only comes from a lender.
Can I refinance a commercial property I already own?
Yes. Refinancing an existing commercial property, for example to move onto a different structure, release equity for the business, or exit a short-term facility, is a common reason Greater Manchester businesses come to us. We assess which lenders are likely to consider your case.
Do you handle both owner-occupied and investment property?
Yes. We arrange commercial mortgages for premises your business trades from and for investment or commercial buy-to-let property you let to tenants. Lenders assess these differently, and we help you identify which route and which lenders suit your situation.
How do you get paid?
CoreFi is a commercial finance broker working across a panel of lenders. We are transparent about how any fee or commission works before you proceed, so you understand the arrangement from the outset.
Explore a commercial mortgage for your Greater Manchester business
Tell us about the property and your business, and CoreFi will match you to commercial mortgage lenders whose criteria fit. No guaranteed outcome, no obligation, just a clear view of your options across the market.
Get matched