Belfast, Northern Ireland

Commercial Mortgages in Belfast

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

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£165
Avg Price/sq ft
7.5%
Average Yield
+28.5%
5yr Price Growth
+19.8%
5yr Rental Growth

Investment Hotspot

7.5% average yield

Belfast stands out with above-average yields of 7.5% and strong 5-year price growth of 28.5%, making it one of the UK's most attractive commercial property markets for investors.

Why Choose CMB in Belfast

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:City CentreTitanic QuarterCathedral QuarterQueen's QuarterLisburn RoadDublin Road

Belfast Local Market Intelligence

Transformed economy with major tech sector growth. Titanic Quarter established as destination. Strong yield premium with growth potential.

— CMB Market Analysis

Key Industries

  • Technology
  • Financial Services
  • Healthcare
  • Higher Education
  • Aerospace
  • Creative Industries

Transport Links

  • Belfast Central mainline
  • Belfast City and International airports
  • Enterprise to Dublin

Regeneration

Titanic Quarter; Belfast Waterside; Weavers Cross; York Street Interchange

Belfast Commercial Property Market Data

Commercial Property Values in Belfast

Property TypePrime / Grade ASecondaryMarket Range
Office£41 psf£15 psf£15 - £41 psf
Retail / Shop£94 psf£29 psf£29 - £94 psf
Industrial£8 psf£5 psf£5 - £8 psf

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

Investment Yields in Belfast

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

Belfast Market Trends

Office Vacancy
Stable
Industrial Demand
Strong
Retail Footfall
Growing
Residential Investment
Strong
Dominant sector:Office & Professional Services

The Belfast market shows positive momentum with yields compressing slightly against regional averages.

Belfast Commercial Districts

Titanic Quarter

Waterfront Regeneration

Prime Rent: £22-30 psf

City Centre

Traditional CBD

Prime Rent: £20-26 psf

Cathedral Quarter

Creative District

Prime Rent: £16-22 psf

Victoria Square

Major Retail

Prime Rent: £120-200 Zone A

West Belfast

Industrial

Prime Rent: £5-8 psf

Recent Commercial Property Transactions in Belfast

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

OfficeQ4 2025

Open-plan office suite with parking, Titanic Quarter

6,306 sq ft
£102,000 - £113,000
£17 psf7.2% yield
RetailQ4 2025

Ground floor shop with A1 use, Dublin Road

3,511 sq ft
£110,000 - £122,000
£33 psf5.9% yield
IndustrialQ3 2025

Self-contained industrial premises, Titanic Quarter

29,792 sq ft
£142,000 - £156,000
£5 psf5.2% yield
Residential BlockQ1 2026

15-unit converted residential building, Queen's Quarter

15 units
£2,110,000 - £2,335,000
6% yield
Care HomeQ3 2025

51-bed care home, recently refurbished, Queen's Quarter

51 beds
£3,495,000 - £3,865,000
5.9% yield
Mixed-UseQ4 2025

Shop with maisonette above, town centre

6,252 sq ft
£2,204,000 - £2,435,000
£371 psf5.6% yield
Development SiteQ1 2026

Former commercial premises with PP for conversion, Dublin Road

15 units
£110,000 - £125,000

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

University & Student Housing in Belfast

Universities

2 institutions · 50,000 students

  • Queen's University Belfast
  • Ulster University

HMO Hotspot Areas

BotanicStranmillisHolylandOrmeau

HMO Licensing

Article 4 Not In Effect

Northern Ireland operates different HMO system

Typical HMO Yield: 7-10%

Key Licensing Areas

Holyland (very high saturation)BotanicStranmillis

NI legal system different from rest of UK. Holyland area notorious for HMO issues. Queen's Quarter more regulated. Two major universities drive demand.

Our Services in Belfast

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 Belfast. 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 Belfast for Commercial Property Investment

Investment Highlights

  • Transformed economy
  • Strong tech sector
  • Major regeneration
  • Yield premium

Development Opportunities

Titanic Quarter, Waterside, and city centre sites offer significant opportunities.

Lender Appetite

Good appetite from specialist lenders. Development finance available for quality schemes.

Broker Notes

NI capital with growing tech sector. Titanic Quarter transformed waterfront. Major employers include Citi, PwC, Deloitte. Cathedral Quarter creative hub. Different legal system - NI-specialist lenders often required. Two universities create student demand.

Property Types We Finance

Grade A OfficeBuild-to-RentIndustrialRetailStudent AccommodationMixed-Use

Our team has relationships with Northern Ireland lenders and understands the unique market dynamics.

Why Invest in Belfast

Belfast is Northern Ireland's capital with a transformed economy and significant regeneration since the peace process. The commercial property market benefits from strong demand across Technology, Financial Services, Healthcare sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 7.5% and 28.5% price growth over five years, Belfast offers compelling returns for commercial property investors. Excellent connectivity via Belfast Central mainline supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Titanic Quarter, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Unique legal and regulatory framework compared to the rest of the UK. Market liquidity can be lower for larger assets, requiring specialist lender knowledge and patient capital approaches.

Notable Developments

Belfast's commercial property landscape has been shaped by Titanic Quarter. Growth in the Technology sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Planning applications in Belfast are managed by Northern Ireland 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 Belfast

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

Belfast Commercial Mortgage Calculator

Pre-populated with local market data

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Belfast Location

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

Belfast Commercial Property FAQ

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

Office rents in Belfast range from approximately £15 per square foot for secondary space up to £41 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £18 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Belfast?

Investment yields in Belfast vary by property type and grade. Current indicative yields are: offices at 5.95%-6.93%, retail at 6.01%-7.82%, industrial at 4.8%-5.55%, residential single-let at 5.89%, HMOs at 9.24%. 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 Belfast?

Belfast's commercial property market includes offices, retail units, industrial premises, 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 Belfast?

Residential investment blocks in Belfast typically trade at around £135,860 per unit, or approximately £368 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 5.89%, with HMO conversions achieving up to 9.24%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What are HMO yields in Belfast?

HMO investments in Belfast can achieve yields of approximately 9.24%, compared to 5.89% for standard single-let properties. With 2 higher education institutions and approximately 50k students, Belfast has strong HMO demand. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.

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

Care homes in Belfast typically trade at around £69,840 per registered bed. A typical 58-bed home would therefore be valued between £1.4m and £4.2m. 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 Belfast project?

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