Oldham, Greater Manchester

Commercial Mortgages in Oldham

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Oldham and Greater Manchester.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£125
Avg Price/sq ft
8.2%
Average Yield
+22.5%
5yr Price Growth
+15.8%
5yr Rental Growth

Investment Hotspot

8.2% average yield

Oldham stands out with above-average yields of 8.2%, making it one of the UK's most attractive commercial property markets for investors.

Why Choose CMB in Oldham

Direct relationships with executives and board members of the UK's leading lenders

Ex-Banking Background

Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out

Board-Level Access

Direct relationships with lender decision-makers for faster approvals and better terms

£300M+ Track Record

Proven success arranging complex commercial property finance across the UK

Areas we cover:Oldham Town CentreChaddertonRoytonShawUppermill

Oldham Local Market Intelligence

Values significantly below Manchester city centre offering yield premium. Metrolink connection improving accessibility.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Retail
  • Healthcare
  • Logistics
  • Textiles

Transport Links

  • Metrolink tram
  • M60 and M62 motorways
  • Rail connections via Manchester Victoria

Regeneration

Oldham town centre regeneration; Saddleworth visitor economy; industrial estate modernisation

Oldham Commercial Property Market Data

Commercial Property Values in Oldham

Property TypePrime / Grade ASecondaryMarket Range
Office£22 psf£9 psf£9 - £22 psf
Retail / Shop£49 psf£30 psf£30 - £49 psf
Industrial£9 psf£5 psf£5 - £9 psf
Warehouse / Logistics£6 psf£11 psf£6 - £11 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Oldham

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Oldham Market Trends

Office Vacancy
Falling
Industrial Demand
Strong
Retail Footfall
Declining
Residential Investment
Strong
Dominant sector:Industrial & Logistics

Investor appetite for Oldham commercial property remains strong, with industrial & logistics assets attracting the most interest.

Recent Commercial Property Transactions in Oldham

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ1 2026

Refurbished office space, Royton

2,498 sq ft
£21,000 - £24,000
£9 psf6.6% yield
RetailQ4 2025

Lock-up shop unit, Shaw

595 sq ft
£16,000 - £18,000
£29 psf7.1% yield
IndustrialQ4 2025

Industrial workshop with office, Royton

42,944 sq ft
£204,000 - £225,000
£5 psf5.4% yield
WarehouseQ3 2025

Cross-dock distribution facility, Uppermill

34,925 sq ft
£365,000 - £403,000
£11 psf5.4% yield
Care HomeQ3 2025

69-bed care home, recently refurbished, Chadderton

69 beds
£2,895,000 - £3,200,000
7.5% yield
Development SiteQ3 2025

Permitted development opportunity, Oldham Town Centre

14 units
£120,000 - £130,000
Residential BlockQ4 2025

Buy-to-let residential portfolio, 14 units, Chadderton

14 units
£2,310,000 - £2,555,000
7.1% yield
Mixed-UseQ1 2026

Shop with maisonette above, town centre

5,433 sq ft
£1,440,000 - £1,592,000
£279 psf6.1% yield

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

Our Services in Oldham

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions — decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects — structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

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 Oldham. 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 Profile

Why Oldham for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 8.2% across the local market
  • 22.5% property price growth over the past five years
  • 15.8% rental growth over five years supporting income returns
  • Strong occupier demand from Manufacturing and Retail sectors
  • Excellent transport connectivity including Metrolink tram
  • Active regeneration programmes driving future capital growth

Development Opportunities

Oldham presents development opportunities linked to Oldham town centre regeneration. Growing demand from the Manufacturing sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.

Lender Appetite

Selective appetite - quality industrial and residential development supported. Caution on secondary retail.

Property Types We Finance

Industrial UnitsFactory SpaceRetail UnitsHigh Street ShopsShopping CentresMedical/Dental PracticesCare HomesIndustrial/Warehouse

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Oldham and the wider Greater Manchester region, from industrial unit purchases to retail unit purchases.

Why Invest in Oldham

Oldham is a major Greater Manchester town with ongoing regeneration and competitive property values. The commercial property market benefits from strong demand across Manufacturing, Retail, Healthcare sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 8.2% and 22.5% price growth over five years, Oldham offers compelling returns for commercial property investors. Excellent connectivity via Metrolink tram supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Oldham town centre regeneration, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Rapid growth has increased competition for quality stock and driven up land values. Some secondary locations face structural vacancy challenges, requiring careful asset selection and experienced local market knowledge.

Notable Developments

Oldham's commercial property landscape has been shaped by Oldham town centre regeneration. Growth in the Manufacturing sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Planning applications in Oldham are managed by Greater Manchester council, which has adopted a pro-growth stance supporting commercial and mixed-use development. Local plan policies favour brownfield regeneration and town centre investment, with a streamlined approach to permitted development rights for office-to-residential conversions.

Latest Commercial Property News in Oldham

Commercial property news for Oldham will appear here once available. Check back soon for the latest market updates.

Oldham Commercial Mortgage Calculator

Pre-populated with local market data

£
£
%
£
Monthly Payment
£0
LTV
0.0%
DSCR
0.00
Gross Yield
0.0%

Interest-only estimate. Actual terms subject to lender assessment.

Oldham Location

Commercial mortgage services available across Oldham and surrounding areas. View larger map

Oldham Commercial Property FAQ

What is the average office rent per square foot in Oldham?

Office rents in Oldham range from approximately £9 per square foot for secondary space up to £22 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £14 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Oldham?

Investment yields in Oldham vary by property type and grade. Current indicative yields are: offices at 6.51%-7.02%, retail at 6.88%-9.81%, industrial at 5.36%-7.34%, residential single-let at 6.7%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Oldham?

Oldham's commercial property market includes offices, retail units, industrial premises, warehouses and logistics units, residential investment blocks, care homes. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

How much does a residential investment block cost in Oldham?

Residential investment blocks in Oldham typically trade at around £177,120 per unit, or approximately £236 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 6.7%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What is the average price per bed for care homes in Oldham?

Care homes in Oldham typically trade at around £45,390 per registered bed. A typical 39-bed home would therefore be valued between £908k and £2.7m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.

Ready to discuss your Oldham project?

Speak with our specialist team today and get a decision in principle within 48 hours.