Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring. Our Manchester-based commercial mortgage service connects you with specialist lenders who understand the Greater Manchester commercial property market.
Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring.
Our Manchester commercial mortgage team connects you with specialist lenders who have appetite for Greater Manchester commercial properties, securing competitive terms through direct credit committee relationships.
Read our complete commercial remortgage guideMarket Insight: Manchester runs the strongest regional office market in the UK, with prime rents at record levels across Spinningfields and the Deansgate core, where banks, law firms and accountants cluster. The Oxford Road Corridor ties the University of Manchester and Manchester Metropolitan University to a growing life sciences and tech base, while MediaCityUK at Salford Quays anchors the BBC and ITV. Build-to-Rent is well established around Ancoats, backed by institutional capital, and industrial demand across Greater Manchester keeps outrunning supply.
Regeneration is reshaping the city on several fronts: the St John's and Enterprise City quarter around the former Granada studios, NOMA north of the centre, Victoria North's long-term neighbourhood programme, the Mayfield scheme beside Piccadilly, and ID Manchester on the former UMIST campus. Build-to-Rent towers continue to rise around Ancoats and Deansgate Square.
Appetite is broad and competitive. Institutions often treat the city as an honorary London, so high street banks including NatWest, Barclays, Lloyds and Santander chase prime office and Build-to-Rent lending in Spinningfields and Ancoats, with investment rates around 6.5 to 8.5% pa. Challenger and specialist lenders such as Allica Bank, Shawbrook and InterBay Commercial back semi-commercial and value-add deals across the Northern Quarter and the wider conurbation.
Six to twelve weeks from formal application to drawdown is the typical range, with straightforward cases at the short end and complex structures taking longer. The valuation alone takes 2-4 weeks, legal title review another 3-5 weeks, and lender credit decisioning 1-3 weeks. We recommend starting the remortgage process at least six months before any fixed-rate end date, so the new facility is in place the day the existing one reverts to a higher variable rate.
Six months before the end of your current fixed-rate period is the optimal window. Earlier than that and the formal valuation may go stale; later than that and you risk paying reversion-rate interest during the gap. If your trigger is equity release rather than rate maturity, start as soon as you have a clear use of funds, the current valuation is the binding constraint and sets the timeline.
Almost always yes. Most lenders require a valuation no more than 3 months old at drawdown, and the valuation must be addressed to the new lender (existing lender valuations typically can't be transferred). Some lenders accept a desktop or drive-by valuation for low-LTV remortgages on standard residential investment property, but full RICS valuations are the norm for commercial.
Dedicated commercial remortgage specialists with deep knowledge of the Greater Manchester market.
Access to 100+ specialist lenders including those with specific appetite for Manchester.
Operating to the highest professional and ethical standards with full transparency on fees and lender recommendations.
Successfully arranged millions in property finance across Greater Manchester and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.