Belfast, Northern Ireland

Commercial Mortgages & Property Finance in Belfast

Belfast is Northern Ireland's capital with a transformed economy and significant regeneration since the peace process. The city offers property finance opportunities with strong yields and growth potential.

City CentreTitanic QuarterCathedral QuarterQueen's QuarterLisburn RoadDublin Road
£165
Avg Price/sq ft
7.5%
Average Yield
+28.5%
5yr Price Growth
+19.8%
5yr Rental Growth

Belfast Local Market Intelligence

Transformed economy with major tech sector growth. Titanic Quarter established as destination. Strong yield premium with growth potential.

— CMB Market Analysis

Key Industries

  • Technology
  • Financial Services
  • Healthcare
  • Higher Education
  • Aerospace
  • Creative Industries

Transport Links

  • Belfast Central mainline
  • Belfast City and International airports
  • Enterprise to Dublin

Regeneration

Titanic Quarter; Belfast Waterside; Weavers Cross; York Street Interchange

Commercial Mortgages in Belfast

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

Our ex-banker team understands the Belfast 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 Belfast

When speed matters for your Belfast 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 Northern Ireland, 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 Belfast

For developers building in Belfast, 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 Northern Ireland. 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 Northern Ireland

Why Belfast for Commercial Property Investment

Investment Highlights

  • Transformed economy
  • Strong tech sector
  • Major regeneration
  • Yield premium

Development Opportunities

Titanic Quarter, Waterside, and city centre sites offer significant opportunities.

Lender Appetite

Good appetite from specialist lenders. Development finance available for quality schemes.

Property Types We Finance

Grade A OfficeBuild-to-RentIndustrialRetailStudent AccommodationMixed-Use

Our team has relationships with Northern Ireland lenders and understands the unique market dynamics.

Latest Commercial Property News in Belfast

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

Calculate Your Belfast Property Finance

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