Oldham, Greater Manchester

Commercial Mortgages & Property Finance in Oldham

Oldham is a major Greater Manchester town with ongoing regeneration and competitive property values. The town offers property finance opportunities for investors seeking higher yields with growth potential.

Oldham Town CentreChaddertonRoytonShawUppermill
£125
Avg Price/sq ft
8.2%
Average Yield
+22.5%
5yr Price Growth
+15.8%
5yr Rental Growth

Oldham Local Market Intelligence

Values significantly below Manchester city centre offering yield premium. Metrolink connection improving accessibility.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Retail
  • Healthcare
  • Logistics
  • Textiles

Transport Links

  • Metrolink tram
  • M60 and M62 motorways
  • Rail connections via Manchester Victoria

Regeneration

Oldham town centre regeneration; Saddleworth visitor economy; industrial estate modernisation

Commercial Mortgages in Oldham

Whether you're acquiring office space, retail units, or industrial property in Oldham, 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 Greater Manchester, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Oldham 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 Oldham

When speed matters for your Oldham 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 Greater Manchester, 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 Oldham

For developers building in Oldham, 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 Greater Manchester. 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 Greater Manchester

Why Oldham for Commercial Property Investment

Lender Appetite

Selective appetite - quality industrial and residential development supported. Caution on secondary retail.

Latest Commercial Property News in Oldham

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

Calculate Your Oldham Property Finance

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