Sheffield, South Yorkshire

Commercial Mortgages & Property Finance in Sheffield

Sheffield is a major UK city with strong universities, advanced manufacturing heritage, and significant regeneration. The city offers excellent property finance opportunities across all sectors.

City CentreKelham IslandWest BarEcclesall RoadAbbeydaleMeadowhall
£185
Avg Price/sq ft
7%
Average Yield
+21.5%
5yr Price Growth
+14.8%
5yr Rental Growth

Sheffield Local Market Intelligence

Two major universities drive strong student market. Kelham Island established as creative destination. Advanced manufacturing cluster growing.

— CMB Market Analysis

Key Industries

  • Advanced Manufacturing
  • Technology
  • Higher Education
  • Healthcare
  • Creative Industries

Transport Links

  • Sheffield rail station (mainline)
  • Supertram
  • M1 motorway

Regeneration

Heart of the City II; West Bar Square; Kelham Island creative quarter

Commercial Mortgages in Sheffield

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

Our ex-banker team understands the Sheffield 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 Sheffield

When speed matters for your Sheffield 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 South Yorkshire, 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 Sheffield

For developers building in Sheffield, 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 South Yorkshire. 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 South Yorkshire

Why Sheffield for Commercial Property Investment

Investment Highlights

  • Major university city
  • Advanced manufacturing hub
  • Strong rental growth
  • Creative quarter

Development Opportunities

Heart of the City II, West Bar, and Kelham Island offer significant opportunities.

Lender Appetite

Strong appetite across sectors. Student accommodation and office particularly favoured.

Property Types We Finance

OfficeBuild-to-RentIndustrialRetailStudent AccommodationMixed-Use

Our team has extensive experience in South Yorkshire property finance markets.

Latest Commercial Property News in Sheffield

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

Also Serving Across South Yorkshire

We provide commercial mortgages, bridging finance, and development finance throughout South Yorkshire.

Commercial Finance Across the UK

Calculate Your Sheffield Property Finance

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