Property finance in Manchester.
Development finance, bridging, commercial mortgages and limited company buy-to-let across Manchester and Greater Manchester. We have been building here for 22 years, which is the difference when your scheme reaches an underwriter.
What we are asked to fund in Manchester.
Manchester is our home market. The schemes below are the ones we are asked to fund most often here, and the local detail that decides whether a lender says yes.
- City-centre conversion and change of use. Upper floors above retail, former offices and older commercial stock turned into flats. The funding question is almost always the same: how much of the value is in the building you are buying and how much only appears once the works are done. That gap is what pushes a case from bridging into development finance.
- Apartment schemes and build to rent. A lender looks at the end value per unit, the absorption rate if you are selling and the covenant if you are renting. Bringing a view on both, rather than one, is what separates a scheme that funds from one that stalls at credit.
- HMOs around the universities. Fallowfield, Withington, Rusholme. Article 4 directions apply across parts of the city, so a small HMO conversion that would be permitted development elsewhere needs planning permission here. Lenders ask about Article 4 and licensing before they ask about yield.
- Industrial and semi-commercial in the inner ring. Trafford Park, Openshaw, Gorton. Owner-occupier commercial mortgages and investment cases on multi-let estates, where the tenant mix does more to set the rate than the postcode does.
We develop in Greater Manchester as well as arrange finance here, so an appraisal gets read the way a lender will read it before it ever reaches one.
Finance for Greater Manchester.
All of it for limited companies, SPVs and corporate borrowers. We are a credit broker, not a lender.
Development finance
Ground-up and conversion funding, land and build tranches, drawn down in stages.
02 / Short termBridging finance
To buy before planning, beat an auction deadline, or fund the works that make a building mortgageable.
03 / HoldCommercial mortgages
Owner-occupier and investment cases, including semi-commercial and mixed-use.
04 / LetLimited company buy-to-let
Company and SPV buy-to-let, HMOs, and portfolio landlord facilities.
Manchester, answered.
Do you only work in Manchester?
No. Manchester and Greater Manchester are where we are busiest, and we also work across Merseyside, Cheshire, Lancashire, Liverpool and Leeds. The lender panel is national, so the location affects the valuation and the lender choice rather than whether a deal can be done at all.
Can you fund a city-centre conversion?
That is one of the most common cases we see here. Whether it is bridging or development finance depends on how much of the value only appears after the works, and how the building is held. Development finance →
Does Article 4 affect my HMO plans?
It can. Article 4 directions remove permitted development rights for small HMO conversions in the areas they cover, which means a planning application. Lenders will ask. Check the current designation with the city council for your specific address before you commit. HMO mortgages →
The other cities we fund in.
- Liverpool. Lower entry values that run into lender minimum loan sizes, selective licensing, and warehouse conversions with heritage attached.
- Leeds. Build to rent, secondary offices that either convert or sit, and the long-established student areas.
- Birmingham. Finance only, placed on a national lender panel. We do not claim local site knowledge in the Midlands.
Outside all four? The lender panel is national, so tell us where the asset is and we will say quickly whether it is one we can place. See what we arrange →
Tell us about the deal.
- Call0333 577 1988
- WhatsApp07977 486886
We arrange finance for limited companies, SPVs and corporate borrowers only.