Specialist Commercial Mortgage Broker in York
CMB arranges commercial mortgages, bridging loans and development finance for property professionals across York and North Yorkshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
York commercial property finance, offices, retail and mixed-use assets
York commercial mortgage brokers, ex-bankers with direct lender access
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial 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
York commercial property market signals
The factors lenders weigh when assessing York commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“World-class heritage city with exceptional tourism. Two universities drive student demand. York Central is major regeneration opportunity.”
, CMB Market Analysis
Key Industries
- Tourism
- Higher Education
- Rail
- Healthcare
- Confectionery
- Professional Services
Transport Links
- York Station (major hub)
- A1(M) motorway
Regeneration
York Central (45-hectare site); Castle Gateway; city centre enhancement
York Q1 2026 Commercial Property Market Report
York is a Tier 1 commercial property market anchored on a world-class heritage city centre, two universities and the 45-hectare York Central regeneration site, with 1,371 commercial-leaning transactions registered with H…
Listen: North Yorkshire Q1 2026 commercial property briefing
The North Yorkshire regional briefing covering York and the wider region. A Q2 2026 commercial property briefing on North Yorkshire, England's largest historic county by area and the most landscape-constrained commercial property market in the north. We walk through York's Tier 1 anchor position, the Harrogate spa-town retail prints, the Scarborough coastal mixed-use clearing yield, and the Selby convenience-supermarket eleven-percent print, all framed by the Yorkshire Dales, North York Moors and Howardian Hills planning friction that defines the county.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
York commercial property transaction evidence
450 commercial sales in York across the last 60 months, sourced from HM Land Registry Price Paid Data. 14 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Seed Hay Barn, Church Lane, East Cottingwith, York
The Granary, Whenby, York
The Old Police House, Market Place, Easingwold, York
The Old Police House, Market Place, Easingwold, York
Unit 3, Station Business Park, York
Newton House Farm, York Road, Sutton On The Forest, York
Minerva House, Apartment 7, York
Hallmark House, 17, Joseph Terry Grove, York
Explosive Developments, Pocklington Airfield Industrial Estate, Pocklington, York
Crayke House, Unit 1, Birch Way, Easingwold Business Park, York
Coxwold House, Unit 1, Birch Way, Easingwold, York
Low Shires Farm, The Farmhouse, Forest Lane, Easingwold, York
Moxy Hotel, Black Horse Lane, York
Middlewood House, Linton Woods Lane, Linton On Ouse, York
95, Front Street, Acomb, York
5, Long Street, Easingwold, York
Unit 6a, Clay Pit Lane, Roecliffe, York
1, Avenue Road, York
28, Main Street, Hotham, York
57a, Monkgate, York
The Grange, Northgate Lane, Warthill, York
56, York Road, Acomb, York
2, Warthill Crossing, Warthill, York
68, Gillygate, York
Carr Lodge, West End, Ampleforth, York
Chaulk Wood, Raskelf Road, Brafferton, York
5, Priory Street, York
Glenmayne, Parker Lane, Kirk Hammerton, York
Lock Lea, Port Royal, Holme On Spalding Moor, York
52 - 54, Brockfield Park Drive, York
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.
York commercial mortgages, bridging loans and development finance
Three core debt structures cover the majority of York commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
York commercial property finance by property type
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your York acquisition.
Office finance in York
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial finance in York
Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail finance in York
Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Mixed-Use finance in York
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 finance in York
Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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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 York. 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 ProfileYork commercial property investment fundamentals
What makes York fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Investment Highlights
- Average commercial property yields of 5.2% across the local market
- 16.5% property price growth over the past five years
- 11.2% rental growth over five years supporting income returns
- Strong occupier demand from Tourism and Higher Education sectors
- Excellent transport connectivity including York Station (major hub)
- Active regeneration programmes driving future capital growth
Development Opportunities
York presents development opportunities linked to York Central (45-hectare site). Growing demand from the Tourism 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
Strong appetite for all quality assets. Heritage conversion and student accommodation favoured.
Property Types We Finance
Our team has experience in North Yorkshire property finance markets.
Latest Commercial Property News in York
Commercial property news for York will appear here once available. Check back soon for the latest market updates.
Also Serving Across North Yorkshire
We provide commercial mortgages, bridging finance, and development finance throughout North Yorkshire.
Commercial Mortgage Brokers Across the UK
York Location
Commercial mortgage services available across York and surrounding areas. View larger map
York commercial mortgage FAQ
Data-grounded answers about commercial property finance in York, sourced from HM Land Registry transactions and our own deal flow.
How active is the commercial property market in York?
HM Land Registry recorded 450 commercial property transactions in York during the most recent reporting window. The median commercial sale price is £260,000, with the middle 50% of deals between £190,000 and £425,000. Source: HM Land Registry Price Paid Data (Category B records).
What is the typical commercial property price in York?
The median commercial sale price recorded by HM Land Registry in York is £260,000. Smaller end deals (lower quartile) sit around £190,000, while larger transactions (upper quartile) reach £425,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in York.
Which commercial property sectors are most active in York?
The most active commercial sectors in York (by recorded transaction count) are: office (9 transactions), agri (3 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.
Can I get a commercial mortgage on a property in York?
Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in York. 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.
How do I get a commercial mortgage quote for a property in York?
Call 07595 366094 or use the contact form to request a commercial mortgage quote in York. We will review the asset, sector, deal structure and lender appetite specific to York and come back with an indicative rate, LTV and term within 24–48 hours.