CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Oldham and Greater Manchester. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Oldham commercial property delivers 8.2% average yield.
Oldham 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 Oldham commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Values significantly below Manchester city centre offering yield premium. Metrolink connection improving accessibility.”
, CMB Market Analysis
Oldham town centre regeneration; Saddleworth visitor economy; industrial estate modernisation
The Greater Manchester regional briefing covering Oldham and the wider region. A Q2 2026 commercial property briefing on Greater Manchester, the deepest commercial market outside London, with seventeen and a half thousand commercial transactions across ten boroughs, the strongest regional office market in the UK, and recent Acuitus auction prints from a Bolton industrial cluster clearing as tight as five point one one percent. We walk through the regional core, the M60 mid-market boroughs, the M62 logistics belt, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
342 commercial sales in Oldham across the last 60 months, sourced from HM Land Registry Price Paid Data. 9 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Spencer House, Unit A 1, Spencer Street, Oldham
72, High Street, Uppermill, Oldham
Lock Up Store At Spring Mill, Spring Street, Uppermill, Oldham
106, High Street, Lees, Oldham
29, High Street, Shaw, Oldham
Lawton House, Lawton Square, Delph, Oldham
Prospect House, George Street, Shaw, Oldham
48, High Street, Uppermill, Oldham
Heyside House, Blackshaw Lane, Royton, Oldham
116, Stamford Road, Lees, Oldham
756, Hollins Road, Oldham
Chadderton Hall Farm, Chadderton Hall Road, Chadderton, Oldham
F & J Hauck LTD, Linney Lane, Shaw, Oldham
Vangard LTD, Schofield Street, Royton, Oldham
Garage Gca20, Miller Road, Oldham
7, Station Road, Grotton, Oldham
7, Station Road, Grotton, Oldham
135, Union Street, Oldham
82, Alpine Drive, Royton, Oldham
Garage, Alpine Drive, Royton, Oldham
81, Cranbrook Street, Oldham
31, Clough Lane, Grasscroft, Oldham
8, Radclyffe Street, Chadderton, Oldham
1, Dacres Avenue, Greenfield, Oldham
Pennine Works, 1, Mossdown Road, Royton, Oldham
49, Hardman Street, Chadderton, Oldham
49, Hardman Street, Chadderton, Oldham
Thomas Dornan (Printers) LTD, Mill Gate, Oldham
121, Castleton Road, Royton, Oldham
8, Rochdale Road, Shaw, Oldham
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 Oldham commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
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 ProfileWhat makes Oldham fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
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.
Selective appetite - quality industrial and residential development supported. Caution on secondary retail.
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.
Commercial property news for Oldham will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Greater Manchester.
Commercial mortgage services available across Oldham and surrounding areas. View larger map
Recent sales, planning movement and market signals for Oldham, drawn from HM Land Registry data and local authority planning registers.
1 relevant planning application is awaiting decision with Oldham Metropolitan Borough Council, proposing 2 units with an estimated gross development value of £400k.
Source: Oldham Metropolitan Borough Council planning register
HM Land Registry data shows 342 commercial property transactions in the Oldham area over the past 60 months, with a median sale price of £130k. 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 116, Stamford Road, Lees, Oldham for £392,500 in Q1 2026, one of 4 commercial transactions recorded in the Oldham 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 Oldham, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Oldham 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 Greater Manchester.
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 Oldham, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 342 commercial property transactions in Oldham during the most recent reporting window. The median commercial sale price is £130,000, with the middle 50% of deals between £100,000 and £181,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Oldham is £130,000. Smaller end deals (lower quartile) sit around £100,000, while larger transactions (upper quartile) reach £181,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Oldham.
The most active commercial sectors in Oldham (by recorded transaction count) are: retail (5 transactions), office (4 transactions). 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 Oldham. 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 Oldham. We will review the asset, sector, deal structure and lender appetite specific to Oldham and come back with an indicative rate, LTV and term within 24 to 48 hours.