Stone, Staffordshire

Commercial Mortgages & Property Finance in Stone

Stone is a small Staffordshire town on the Trent and Mersey Canal, historically important as a canal junction and now appreciated as one of the county's most attractive small towns. The town has a picturesque high street, a strong canal-side leisure economy, and Joules Brewery adds to its character. Its position on the A34 between Stafford and Stoke-on-Trent is strategically useful.

Stone Town CentreWaltonAstonOultonModdershall
£170
Avg Price/sq ft
5.4%
Average Yield
+12.8%
5yr Price Growth
+9.5%
5yr Rental Growth

Stone Local Market Intelligence

Historic canal town with strong community. Good rail links to Stoke and Stafford.

— CMB Market Analysis

Key Industries

  • Food & Drink (Joules Brewery)
  • Canal Tourism
  • Retail
  • Professional Services
  • Agriculture

Transport Links

  • Stone rail to Stafford/Stoke-on-Trent
  • A34 to Stafford (7 miles)/Stoke
  • A520 to Leek
  • Trent and Mersey Canal

Regeneration

Stone town centre improvements; canal basin enhancement; Westbridge Park; Aston Lodge housing; former industrial site conversions; Walton housing area; community facilities

Commercial Mortgages in Stone

Whether you're acquiring office space, retail units, or industrial property in Stone, 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 Stone 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 Stone

When speed matters for your Stone 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 Stone

For developers building in Stone, 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 Stone for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Stone

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

Calculate Your Stone Property Finance

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