Lancaster, Lancashire

Commercial Mortgages & Property Finance in Lancaster

Lancaster is a historic university city with a magnificent castle overlooking the River Lune, home to Lancaster University (consistently ranked in the UK top 15). The city has a vibrant student-driven economy, a strong independent retail scene in its Georgian quarter, and is emerging as a creative hub. The Lancaster Canal and Lune Estuary add natural amenity to this characterful county town.

Lancaster City CentreUniversity CampusMorecambeHeyshamCarnforth
£155
Avg Price/sq ft
5.8%
Average Yield
+14.5%
5yr Price Growth
+11%
5yr Rental Growth

Lancaster Local Market Intelligence

Lancaster University drives strong student market. Historic city centre attracts tourism. Heysham nuclear plant supports employment.

— CMB Market Analysis

Key Industries

  • Education (Lancaster University)
  • Healthcare (Royal Lancaster Infirmary)
  • Tourism & Heritage
  • Creative & Digital
  • Nuclear (Heysham)

Transport Links

  • Avanti West Coast to London (2hr 30)/Manchester (60 mins)
  • M6 Junction 33/34 (adjacent)
  • A6 to Preston/Kendal
  • A683 to M6/Lune Valley

Regeneration

Canal Quarter regeneration; Lancaster Castle heritage quarter; Lancaster University Health Innovation Campus; Caton Road employment area; Heysham Gateway port investment; Bailrigg Garden Village

Commercial Mortgages in Lancaster

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

Our ex-banker team understands the Lancaster 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 Lancaster

When speed matters for your Lancaster 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 Lancashire, 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 Lancaster

For developers building in Lancaster, 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 Lancashire. 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 Lancashire

Why Lancaster for Commercial Property Investment

Lender Appetite

Good appetite for student accommodation. Heritage conversion opportunities.

Latest Commercial Property News in Lancaster

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

Calculate Your Lancaster Property Finance

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