Stoke-on-Trent, Staffordshire

Commercial Mortgages in Stoke-on-Trent

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Stoke-on-Trent and Staffordshire.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£125
Avg Price/sq ft
8.5%
Average Yield
+26.5%
5yr Price Growth
+18.2%
5yr Rental Growth

Investment Hotspot

8.5% average yield

Stoke-on-Trent stands out with above-average yields of 8.5% and strong 5-year price growth of 26.5%, making it one of the UK's most attractive commercial property markets for investors.

Why Choose CMB in Stoke-on-Trent

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:HanleyStokeNewcastle-under-LymeBurslemTunstallLongton

Stoke-on-Trent Local Market Intelligence

Heritage ceramics industry diversifying. University presence growing. Values offer exceptional yield premium.

— CMB Market Analysis

Key Industries

  • Ceramics
  • Manufacturing
  • Higher Education
  • Healthcare
  • Logistics

Transport Links

  • Stoke-on-Trent Station (WCML)
  • M6 motorway
  • A50 corridor

Regeneration

Smithfield; Etruscan Square; Unity Walk; city centre transformation

Stoke-on-Trent Commercial Property Market Data

Commercial Property Values in Stoke-on-Trent

Property TypePrime / Grade ASecondaryMarket Range
Office£27 psf£12 psf£12 - £27 psf
Retail / Shop£33 psf£13 psf£13 - £33 psf
Industrial£8 psf£5 psf£5 - £8 psf
Warehouse / Logistics£7 psf£10 psf£7 - £10 psf

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

Investment Yields in Stoke-on-Trent

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

Stoke-on-Trent Market Trends

Office Vacancy
Falling
Industrial Demand
Moderate
Retail Footfall
Stable
Residential Investment
Moderate
Dominant sector:Industrial & Logistics

Stoke-on-Trent benefits from growing private investor interest, particularly in industrial & logistics opportunities.

Recent Commercial Property Transactions in Stoke-on-Trent

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

OfficeQ3 2025

Grade B office building, Hanley

11,024 sq ft
£304,000 - £336,000
£29 psf7.1% yield
RetailQ3 2025

Ground floor shop with A1 use, Hanley

2,498 sq ft
£69,000 - £76,000
£29 psf5.7% yield
IndustrialQ3 2025

Manufacturing unit with loading, Hanley

30,992 sq ft
£265,000 - £293,000
£9 psf5.5% yield
Care HomeQ3 2025

52-bed registered care home with gardens, Hanley

52 beds
£2,610,000 - £2,885,000
7.4% yield
WarehouseQ3 2025

Modern warehouse with dock-level loading

64,660 sq ft
£369,000 - £407,000
£6 psf4.9% yield
Development SiteQ4 2025

Development site with planning for 12 residential units, Hanley

12 units
£270,000 - £295,000
Mixed-UseQ4 2025

Mixed-use building with commercial ground floor and residential above, Hanley

5,738 sq ft
£1,079,000 - £1,193,000
£198 psf6.2% yield
Residential BlockQ1 2026

20-unit purpose-built apartment block, Hanley

20 units
£1,830,000 - £2,025,000
6.4% yield

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

Our Services in Stoke-on-Trent

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 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 Profile

Why Stoke-on-Trent for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 8.5% across the local market
  • 26.5% property price growth over the past five years
  • 18.2% rental growth over five years supporting income returns
  • Strong occupier demand from Ceramics and Manufacturing sectors
  • Excellent transport connectivity including Stoke-on-Trent Station (WCML)
  • Active regeneration programmes driving future capital growth

Development Opportunities

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.

Lender Appetite

Good appetite for quality development. Residential and industrial supported.

Property Types We Finance

Industrial UnitsFactory SpaceMedical/Dental PracticesCare HomesIndustrial/WarehouseDistribution Centres

Our team has experience in Staffordshire property finance markets.

Why Invest in Stoke-on-Trent

Stoke-on-Trent is the UK's pottery capital with strong ceramics heritage and competitive property values. The commercial property market benefits from strong demand across Ceramics, Manufacturing, Higher Education sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 8.5% and 26.5% price growth over five years, Stoke-on-Trent offers compelling returns for commercial property investors. Excellent connectivity via Stoke-on-Trent Station (WCML) supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Smithfield, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

The Stoke-on-Trent market requires realistic expectations around liquidity and exit timelines for commercial assets. Secondary location pricing can be volatile, and investors benefit from strong local knowledge and established lender relationships.

Notable Developments

Stoke-on-Trent's commercial property landscape has been shaped by Smithfield. Growth in the Ceramics sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Stoke-on-Trent falls under Staffordshire planning authority, where the adopted local plan supports commercial development and economic growth. Planning decisions reflect a balance between heritage conservation and enabling new investment, with CIL charges and Section 106 contributions applying to larger schemes.

Latest Commercial Property News in Stoke-on-Trent

Commercial property news for Stoke-on-Trent will appear here once available. Check back soon for the latest market updates.

Stoke-on-Trent Commercial Mortgage Calculator

Pre-populated with local market data

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Stoke-on-Trent Location

Commercial mortgage services available across Stoke-on-Trent and surrounding areas. View larger map

Stoke-on-Trent Commercial Property FAQ

What is the average office rent per square foot in Stoke-on-Trent?

Office rents in Stoke-on-Trent range from approximately £12 per square foot for secondary space up to £27 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £19 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Stoke-on-Trent?

Investment yields in Stoke-on-Trent vary by property type and grade. Current indicative yields are: offices at 6.41%-7.4%, retail at 5.52%-8.69%, industrial at 5.5%-6.71%, residential single-let at 6.19%. 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 Stoke-on-Trent?

Stoke-on-Trent's commercial property market includes offices, retail units, industrial premises, warehouses and logistics units, 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 Stoke-on-Trent?

Residential investment blocks in Stoke-on-Trent typically trade at around £90,110 per unit, or approximately £191 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 6.19%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

What is the average price per bed for care homes in Stoke-on-Trent?

Care homes in Stoke-on-Trent typically trade at around £61,595 per registered bed. A typical 36-bed home would therefore be valued between £1.2m and £3.7m. 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 Stoke-on-Trent project?

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