Halifax, West Yorkshire

Commercial Mortgages & Property Finance in Halifax

Halifax is a historic West Yorkshire town with strong architectural heritage and emerging creative scene. The town offers property finance opportunities with competitive values and character properties.

Halifax Town CentrePiece HallSowerby BridgeHebden BridgeBrighouse
£125
Avg Price/sq ft
8.2%
Average Yield
+24.8%
5yr Price Growth
+17.2%
5yr Rental Growth

Halifax Local Market Intelligence

Piece Hall restoration has transformed town centre. Hebden Bridge creative economy thriving. Mill conversion opportunities.

— CMB Market Analysis

Key Industries

  • Financial Services
  • Manufacturing
  • Retail
  • Tourism
  • Creative Industries

Transport Links

  • Halifax rail station
  • M62 motorway

Regeneration

Piece Hall restoration complete; town centre regeneration; mill conversions

Commercial Mortgages in Halifax

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

Our ex-banker team understands the Halifax 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 Halifax

When speed matters for your Halifax 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 West 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 Halifax

For developers building in Halifax, 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 West 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 West Yorkshire

Why Halifax for Commercial Property Investment

Lender Appetite

Good appetite for heritage conversion. Residential and commercial development supported.

Latest Commercial Property News in Halifax

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

Calculate Your Halifax Property Finance

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