Halifax Commercial mortgages: A Broker That Actually Picks Up
Office, warehouse, retail or mixed-use — we arrange commercial mortgages on every property type relevant to Halifax. Investment loans typically 65–75% LTV, owner-occupied often higher, with both fixed and variable structures available.
Common scenarios
What commercial mortgages typically funds in Halifax
Local context
Why Halifax is a market we know
Sandstone terraces, converted woollen mills and tight high streets dominate. Investor activity skews to HMOs near universities and refurb-to-let on Victorian stock. Commercial demand is steady around the M62/M1 corridor. Halifax itself anchors the West Yorkshire mill belt, with activity concentrated around Dean Clough, Halifax Business Park.
30 years arranging finance across West Yorkshire
Same broker, same panel, same direct answers. Get a real opinion on your deal.
Structures we arrange
Commercial Loans options for Halifax
Owner-occupier mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Investment mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Semi-commercial
Typical size £150k – £15m; timeline 6–10 weeks.
Portfolio refinance
Typical size £150k – £15m; timeline 6–10 weeks.
Halifax FAQs
Common questions about commercial mortgages in Halifax
What if my deal sits below £150k?+
Some lenders go lower, but pricing is rarely attractive. We'll be honest if your deal is too small for sensible commercial lending and suggest alternatives.
Will my personal income matter?+
For investment lending, mainly only to support PGs and stress-tests. For owner-occupied, the trading business's performance dominates.
Can I include legal fees in the loan?+
Generally not — fees are usually borrower-funded at outset. Some lenders allow legal/valuation costs to be deducted from drawdown.
Are sub-25-year leases lendable?+
Yes — they price differently and may attract amortisation requirements but they are lendable.
What about a Ltd SPV borrower?+
Standard for Halifax property investment. Director PGs are usual. Most lenders are SPV-friendly without rate penalty.
What is a portfolio mortgage?+
A single facility covering multiple properties — often cheaper than individual mortgages, and more flexible when adding or selling stock.
Nearby areas we cover
Commercial mortgages across the West Yorkshire area
We arrange commercial loans for clients across Halifax and the surrounding towns, typically within a short drive of the M62 corridor.
In summary
Next steps for Halifax
Most Halifax clients tell us afterwards that the difference was the directness — knowing inside an hour whether their deal would fly, and with whom. That's what 30+ years arranging commercial loans buys. Reach out when you have something concrete to discuss.