St Helens, Merseyside

Commercial Mortgages & Property Finance in St Helens

St Helens is a Merseyside town with strong industrial heritage and competitive property values. The town offers property finance opportunities across industrial, retail, and residential sectors.

St Helens Town CentreNewton-le-WillowsHaydockRainfordEccleston
£115
Avg Price/sq ft
8.5%
Average Yield
+24.5%
5yr Price Growth
+16.8%
5yr Rental Growth

St Helens Local Market Intelligence

Haydock location drives strong logistics demand. Town centre retail challenging but residential conversion opportunities.

— CMB Market Analysis

Key Industries

  • Logistics
  • Manufacturing
  • Glass Industry
  • Healthcare
  • Retail

Transport Links

  • St Helens rail stations
  • M6 and M62 motorways
  • Haydock Industrial Estate

Regeneration

Town centre regeneration; Haydock logistics expansion; Glass Futures innovation centre

Commercial Mortgages in St Helens

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

Our ex-banker team understands the St Helens 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 St Helens

When speed matters for your St Helens 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 Merseyside, 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 St Helens

For developers building in St Helens, 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 Merseyside. 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 Merseyside

Why St Helens for Commercial Property Investment

Lender Appetite

Good appetite for industrial and logistics. Selective on retail.

Latest Commercial Property News in St Helens

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

Calculate Your St Helens Property Finance

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