Newcastle-under-Lyme, Staffordshire

Commercial Mortgages & Property Finance in Newcastle-under-Lyme

Newcastle-under-Lyme is a Staffordshire borough town adjacent to Stoke-on-Trent but distinct from its larger neighbour, with a medieval market charter and a thriving university influence from Keele University. The town has an improving town centre with the Castle Walk development and offers more affordable commercial property than many comparable Midlands towns.

Newcastle Town CentreKeeleSilverdaleKnuttonMay Bank
£115
Avg Price/sq ft
6.5%
Average Yield
+12.8%
5yr Price Growth
+9.8%
5yr Rental Growth

Newcastle-under-Lyme Local Market Intelligence

Market town with Keele University driving economy. Strong student accommodation demand. Town centre regeneration ongoing.

— CMB Market Analysis

Key Industries

  • Education (Keele University)
  • Retail
  • Healthcare
  • Manufacturing
  • Professional Services

Transport Links

  • A34 to Stoke-on-Trent/Stone/Stafford
  • A53 to Market Drayton/Shrewsbury
  • M6 Junction 15/16 (5 miles)
  • Stoke-on-Trent rail (2 miles)

Regeneration

Newcastle town centre regeneration; Castle Walk development; Ryecroft mixed-use; Keele University campus growth; Kidsgrove and Talke housing; Silverdale former colliery; Keele Science and Innovation Park

Commercial Mortgages in Newcastle-under-Lyme

Whether you're acquiring office space, retail units, or industrial property in Newcastle-under-Lyme, 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 Newcastle-under-Lyme 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 Newcastle-under-Lyme

When speed matters for your Newcastle-under-Lyme 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 Newcastle-under-Lyme

For developers building in Newcastle-under-Lyme, 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 Newcastle-under-Lyme for Commercial Property Investment

Lender Appetite

Good appetite. Education sector understood.

Latest Commercial Property News in Newcastle-under-Lyme

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Calculate Your Newcastle-under-Lyme Property Finance

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