Lichfield, Staffordshire

Commercial Mortgages & Property Finance in Lichfield

Lichfield is one of England's finest small cathedral cities, the birthplace of Samuel Johnson and home to a magnificent three-spired medieval cathedral (the 'Ladies of the Vale'). The city has a thriving independent retail scene, the Garrick Theatre, and a regular programme of festivals. Lichfield's quality of life and Birmingham commuter accessibility support premium property values.

Lichfield City CentreLichfield CathedralBurntwoodWhittingtonStreethay
£225
Avg Price/sq ft
5%
Average Yield
+13%
5yr Price Growth
+9.5%
5yr Rental Growth

Lichfield Local Market Intelligence

Cathedral city with premium retail. Affluent catchment. Growing commuter appeal with good rail links.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage
  • Professional Services
  • Independent Retail
  • Healthcare
  • Education

Transport Links

  • London Northwestern/Cross Country to Birmingham (25 mins)/London
  • A5 Watling Street (1 mile)
  • A38 to Burton/Derby
  • M6 Toll (3 miles)

Regeneration

Lichfield city centre heritage conservation; Birmingham Road development; Friarsgate mixed-use; Lichfield Southern Bypass area housing; Beacon Park improvements; Cathedral Close conservation

Commercial Mortgages in Lichfield

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

Our ex-banker team understands the Lichfield 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 Lichfield

When speed matters for your Lichfield 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 Staffordshire, 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 Lichfield

For developers building in Lichfield, 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 Staffordshire. 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 Staffordshire

Why Lichfield for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Lichfield

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

Calculate Your Lichfield Property Finance

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