Congleton, Cheshire

Commercial Mortgages & Property Finance in Congleton

Congleton is a Cheshire market town on the River Dane that has successfully attracted major employers to its link road corridor. The completion of the Congleton Link Road has significantly improved connectivity and opened up employment and housing land, positioning the town for sustained commercial growth in the eastern Cheshire corridor.

Congleton Town CentreWest HeathMossleyBuglawtonHightown
£190
Avg Price/sq ft
5.7%
Average Yield
+12.5%
5yr Price Growth
+9%
5yr Rental Growth

Congleton Local Market Intelligence

Historic market town with strong community. Gateway to Peak District. Quality housing.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Engineering
  • Pharmaceutical
  • Retail
  • Professional Services

Transport Links

  • Congleton rail to Manchester Piccadilly (50 mins)
  • A534 to Sandbach/M6
  • Congleton Link Road (opened 2021)
  • A54 to Holmes Chapel

Regeneration

Congleton Link Road unlocking Back Lane employment area; town centre canal quarter enhancement; Barn Road mixed-use development; River Dane corridor improvements

Commercial Mortgages in Congleton

Whether you're acquiring office space, retail units, or industrial property in Congleton, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across Cheshire, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Congleton commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Congleton

When speed matters for your Congleton property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across Cheshire, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Congleton

For developers building in Congleton, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across Cheshire. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across Cheshire

Why Congleton for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Congleton

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

Calculate Your Congleton Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.