CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Stoke-on-Trent and Staffordshire. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Stoke-on-Trent commercial property delivers 8.5% average yield with 26.5% five-year price growth.
Stoke-on-Trent ranks among the UK's strongest commercial property markets on both income and capital growth, a profile lenders treat favourably for 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 Stoke-on-Trent commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Heritage ceramics industry diversifying. University presence growing. Values offer exceptional yield premium.”
, CMB Market Analysis
Smithfield; Etruscan Square; Unity Walk; city centre transformation
The Staffordshire regional briefing covering Stoke-on-Trent and the wider region. A Q2 2026 commercial property briefing on Staffordshire, a hybrid Midlands shire anchored by Stoke-on-Trent's post-ceramics regeneration, the Stafford and Lichfield professional core, and a heavyweight logistics belt at Cannock and Tamworth on the M6 Toll and A5. We walk through transaction volumes across the twelve principal towns, what ten Acuitus auction lots tell us about secondary clearing levels, and where lender appetite sits today.
Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.
604 commercial sales in Stoke-on-Trent across the last 60 months, sourced from HM Land Registry Price Paid Data. 4 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
28, High Street, Stoke-On-Trent
Oldfields Business Park, Unit 2, Galveston Grove, Stoke-On-Trent
Fenpark Trade Park, Unit 7 8 And 9, Dewsbury Road, Fenton Industrial Estate, Stoke-On-Trent
Unit C3, Dewsbury Road, Fenton Industrial Estate, Stoke-On-Trent
629, Uttoxeter Road, Stoke-On-Trent
42, Waterhead Road, Stoke-On-Trent
5, Highview Road, Fulford, Stoke-On-Trent
Phoenix Park, Unit B, Phoenix Way, Stoke-On-Trent
2, Stone Villas, Mow Cop, Stoke-On-Trent
21, Victoria Road, Stoke-On-Trent
38, Birch Avenue, Alsager, Stoke-On-Trent
1, New Inn Lane, Stoke-On-Trent
4, Bridgewood Street, Longton, Stoke-On-Trent
Cressford Farm, Dilhorne Road, Dilhorne, Stoke-On-Trent
155, Bucknall New Road, Stoke-On-Trent
438, Leek Road, Stoke-On-Trent
Silver Springs, Leek Road, Wetley Rocks, Stoke-On-Trent
Lawton Hall Fishing Lake, Summerhouse Plantation, Lawton Hall Drive, Church Lawton, Stoke-On-Trent
44, Haydon Street, Stoke-On-Trent
36, Castle Road, Mow Cop, Stoke-On-Trent
281, Uttoxeter Road, Stoke-On-Trent
9 - 15, Dunning Street, Stoke-On-Trent
Whitehouse Farm, Miles Green Road, Bignall End, Stoke-On-Trent
Brookhouse Farm, Werrington Road, Stoke-On-Trent
375, Ford Green Road, Stoke-On-Trent
Penfold Farm, Trentham Road, Stoke-On-Trent
74a - 76, Keelings Road, Stoke-On-Trent
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 Stoke-on-Trent 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 Stoke-on-Trent. 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 Stoke-on-Trent fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Stoke-on-Trent presents development opportunities linked to Smithfield. Growing demand from the Ceramics sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Good appetite for quality development. Residential and industrial supported.
Our team has experience in Staffordshire property finance markets.
Commercial property news for Stoke-on-Trent will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Staffordshire.
Commercial mortgage services available across Stoke-on-Trent and surrounding areas. View larger map
Recent sales, planning movement and market signals for Stoke-on-Trent, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 604 commercial property transactions in the Stoke-on-Trent area over the past 60 months, with a median sale price of £105k. 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 Silver Springs, Leek Road, Wetley Rocks, Stoke-On-Trent for £760,000 in Q4 2025, one of 23 commercial transactions recorded in the Stoke-on-Trent 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 Stoke-on-Trent, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Stoke-on-Trent 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 Staffordshire.
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 Stoke-on-Trent, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 604 commercial property transactions in Stoke-on-Trent during the most recent reporting window. The median commercial sale price is £105,000, with the middle 50% of deals between £75,500 and £165,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in Stoke-on-Trent is £105,000. Smaller end deals (lower quartile) sit around £75,500, while larger transactions (upper quartile) reach £165,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Stoke-on-Trent.
The most active commercial sectors in Stoke-on-Trent (by recorded transaction count) are: industrial (2 transactions), retail (1 transaction), office (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 Stoke-on-Trent. 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 Stoke-on-Trent. We will review the asset, sector, deal structure and lender appetite specific to Stoke-on-Trent and come back with an indicative rate, LTV and term within 24 to 48 hours.