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
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 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
York Central (45-hectare site); Castle Gateway; city centre enhancement
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…
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.
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.
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.
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your York 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 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 ProfileWhat makes York fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
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.
Strong appetite for all quality assets. Heritage conversion and student accommodation favoured.
Our team has experience in North Yorkshire property finance markets.
Commercial property news for York will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout North Yorkshire.
Commercial mortgage services available across York and surrounding areas. View larger map
Recent sales, planning movement and market signals for York, drawn from HM Land Registry data and local authority planning registers.
231 relevant planning applications are awaiting decision with City of York Council, proposing 15 units with an estimated gross development value of £4.0m.
Source: City of York Council planning register
HM Land Registry data shows 450 commercial property transactions in the York area over the past 60 months, with a median sale price of £260k. 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 The Grange, Northgate Lane, Warthill, York for £1,450,000 in Q4 2025, one of 16 commercial transactions recorded in the York 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 York, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on York 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 North Yorkshire.
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 York, sourced from HM Land Registry transactions and our own deal flow.
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).
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.
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.
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.
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 to 48 hours.