CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Derby and Derbyshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Derby commercial property finance, offices, retail and mixed-use assets
Derby commercial property delivers 7.2% average yield.
Derby yields sit above the UK commercial average, supporting income-driven debt structures and SPV-led acquisitions.
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 Derby commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Derby's economy leans on advanced manufacturing, which shapes its property demand. We see consistent appetite for industrial and logistics space around Pride Park and Infinity Park, driven by the Rolls-Royce and Toyota supply chains, while the Cathedral Quarter and St Peter's Quarter hold the independent retail and office core. The University of Derby adds student housing demand near the city centre. Becketwell and the Nightingale Quarter are bringing new homes and mixed-use floorspace forward. Owner-occupier terms sit around 6.0 to 7.5% pa and commercial investment around 6.5 to 8.5% pa in 2026.”
, CMB Market Analysis
Becketwell is transforming a run-down part of the centre with new homes, public realm and a large performance venue, while the Nightingale Quarter delivers housing on the former Derbyshire Royal Infirmary site. Castleward continues to add mixed-use development linking the station to the city core.
Derby's commercial property market sits alongside Nottingham and Leicester as the third East Midlands centre, with HM Land Registry recording 2,071 commercial-leaning transactions across the city in the rolling five-year window to Q1 2026.
The Derbyshire regional briefing covering Derby and the wider region. A Q2 2026 commercial property briefing on Derbyshire, the East Midlands aerospace and rail engineering county anchored on Derby, with Chesterfield on the Sheffield commuter belt and a long tail of Peak District market towns. We walk through transaction volumes across the nine principal towns, what eight recent Acuitus auction lots in Derby, Chesterfield and Buxton actually tell us, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
367 commercial sales in Derby across the last 60 months, sourced from HM Land Registry Price Paid Data. 7 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
12, Market Place, Kegworth, Derby
Alpha House, Uttoxeter Road, Hilton, Derby
Motor Point Of Derby, Chartwell Drive, West Meadows Industrial Estate, Derby
Plot 4, Raynesway, Derby
Jubilee House, 4, St Christophers Way, Pride Park, Derby
7, North Parade, Derby
Truro House, Stephensons Way, Wyvern Business Park, Derby
22, Royal Scot Road, Pride Park, Derby
24, Royal Scot Road, Pride Park, Derby
Mohan Court, Warner Street, Derby
39a, Nottingham Road, Borrowash, Derby
35, Mansfield Road, Derby
Kennings, Cathedral Road, Derby
14, Goldenbrook Close, Breaston, Derby
9, Home Farm Close, Ockbrook, Derby
74, Silver Hill Road, Derby
58, Redwood Road, Sinfin, Derby
58, Redwood Road, Sinfin, Derby
63, Uttoxeter Road, Mickleover, Derby
39, Iron Gate, Derby
488, Burton Road, Derby
96, Green Lane, Derby
122, Sancroft Road, Spondon, Derby
82, Atlantic Way, Derby
82, Garage, Atlantic Way, Derby
111, Church Road, Quarndon, Derby
Chapel Mews, Station Road, Borrowash, Derby
3, Bramble Street, Derby
Hill Farm, Lot 6, Morley Road, Chaddesden, Derby
1, Pride Place, Pride Park, Derby
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 Derby commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Derby acquisition.
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
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Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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HMO finance for houses in multiple occupation, from 4-bed student lets to large sui generis conversions.
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Student property finance across both markets: traditional student HMOs near campus and purpose-built student accommodation (PBSA) blocks.
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Care home finance for owner-operators and investors, from 20-bed residential homes to nursing and specialist dementia care.
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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 Derby. 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 Derby fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Derby presents development opportunities linked to City centre regeneration. Growing demand from the Aerospace sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
High street lenders including NatWest, Barclays, Lloyds and Santander compete for well-let industrial and office stock tied to the engineering supply chain. Challenger and specialist names, Allica Bank, Aldermore, Shawbrook, Hampshire Trust Bank and InterBay Commercial, back logistics units and value-add city-centre assets around the Cathedral Quarter. Student housing near the University of Derby draws specialist appetite, and bridging lenders such as LendInvest fund quick Pride Park and auction purchases at roughly 8.5 to 11.0% pa.
We arrange finance across Derbyshire regularly, so we know how lenders price industrial units on the Pride Park and Infinity Park estates, upper-floor offices in the Cathedral Quarter, and conversions in the Darley Abbey mills in the Derwent Valley World Heritage Site. We can present a Becketwell or Castleward scheme to lenders who follow the city's regeneration, and we know which valuers cover Spondon, Allestree and Mickleover. That reading of the local market helps us line up terms quickly.
Commercial property news for Derby will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Derbyshire.
Commercial mortgage services available across Derby and surrounding areas. View larger map
Recent sales, planning movement and market signals for Derby, drawn from HM Land Registry data and local authority planning registers.
76 relevant planning applications are awaiting decision with Derby City Council, proposing 8 units with an estimated gross development value of £1.5m.
Source: Derby City Council planning register
HM Land Registry data shows 367 commercial property transactions in the Derby area over the past 60 months, with a median sale price of £175k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of Mohan Court, Warner Street, Derby for £1,288,000 in Q1 2026, one of 6 commercial transactions recorded in the Derby area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Derby, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Derby deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in Derbyshire.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Derby, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 367 commercial property transactions in Derby during the most recent reporting window. The median commercial sale price is £175,000, with the middle 50% of deals between £135,000 and £240,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Derby is £175,000. Smaller end deals (lower quartile) sit around £135,000, while larger transactions (upper quartile) reach £240,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Derby.
The most active commercial sectors in Derby (by recorded transaction count) are: office (3 transactions), retail (2 transactions), industrial (1 transaction). 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 Derby. 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 Derby. We will review the asset, sector, deal structure and lender appetite specific to Derby and come back with an indicative rate, LTV and term within 24 to 48 hours.
For well-let industrial and office assets it is generally straightforward. Derby's engineering base, led by Rolls-Royce, Toyota and Alstom, gives lenders confidence in occupier demand around Pride Park and Infinity Park, so high street and challenger banks compete on these. Retail in the Cathedral Quarter and student housing near the University of Derby also attract funding. Older secondary stock or vacant units can be harder, and we place those with lenders who understand refurbishment and change-of-use risk.
Expect to put down 25 to 40% on most commercial purchases in Derby, giving a 60 to 75% loan-to-value range. Owner-occupiers with solid trading figures, common among the engineering and trade businesses here, can sometimes borrow more. Industrial units on Pride Park often sit at the stronger end for leverage, while secondary retail and specialist assets are treated more cautiously. We compare several lenders to secure the best deposit terms for your particular property and plans.
High street banks including NatWest, Barclays, Lloyds and Santander compete for prime industrial and office stock tied to the engineering supply chain. Challenger and specialist names, Allica Bank, Aldermore, Shawbrook, Hampshire Trust Bank and InterBay Commercial, back logistics units and value-add city-centre assets. Student housing near the University of Derby draws specialist appetite, and for quick auction or Pride Park purchases we use bridging lenders such as LendInvest. We approach several at once to keep terms competitive.
Yes. We arrange commercial finance across Derby and the wider Derbyshire and Staffordshire fringe, including Belper, Ilkeston, Ripley, Ashbourne and Burton upon Trent. Sites near the A38 and A50 and around Infinity Park draw good lender interest for industrial and logistics use, and we know which valuers cover each area. Whether the property sits in the Cathedral Quarter, on a Pride Park estate or on a market-town high street, we match it to lenders who understand that local patch.