Commercial mortgages Bury: buying and refinancing Bury premises
Commercial mortgages in Bury fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. Here is what a Bury business should know before it applies, with every figure linked to where it comes from.
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- Enterprises (ONS 2025)
- 7,800
- Under 10 staff
- 90.8%
- Top sector: health and social care
- 23.3% of jobs
- Regional fund (BBB)
- NPIF II
- Property tax
- SDLT
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Where commercial mortgages fit the Bury economy
46.5% of employee jobs (2024) in Bury sit in the premises-led sectors: hotels, restaurants and food service (6.8%), wholesale, retail and motor trades (16.4%) and health and social care (23.3%). Great Britain: 35.7% (Nomis labour market profile: Bury).
| Sector | Bury share | Bury jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 6.8% | about 5,000 | 7.8% | 0.87 |
| Wholesale, retail and motor trades | 16.4% | about 12,000 | 13.7% | 1.20 |
| Health and social care | 23.3% | about 17,000 | 14.2% | 1.64 |
The ratio is highest for health and social care, at 1.64. Care homes and clinics are valued on their trade as well as their bricks (care home finance).
Against its nearest neighbours in our data, those sectors are 46.5% of Bury jobs, compared with 37.6% in Bolton and 40.2% in Rochdale.
Stamp Duty and costs on a Bury purchase
Say a Bury business agrees £310,000 for its premises. The Stamp Duty Land Tax bill builds up band by band:
| Slice of the price | Rate | Tax |
|---|---|---|
| First £150,000 | 0% | £0 |
| £150,001 to £250,000 | 2% | £2,000 |
| £250,001 to £310,000 | 5% | £3,000 |
| Total | £5,000 |
Budget £5,000 on top of the deposit and the legal and valuation fees.
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Commercial mortgages near Bury
Straight-line distances from Bury:
- Commercial mortgages Rochdale (5 miles)
- Commercial mortgages Manchester (10 miles)
- Commercial mortgages Oldham (10 miles)
- Commercial mortgages Bradford (25 miles)
Lenders on our panel that cover Bury
No commercial mortgage provider in our panel data (10 in all) excludes BL postcodes, so a Bury business is compared against all of them.
Free business support in Bury
If you are moving or expanding, GM Business Growth Hub can point you to free advice and any local programmes for Bury businesses taking on premises.
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Sources
Every figure above comes from one of these, checked on 18 October 2026. Lender coverage is from the criteria held for each lender on our panel.
We are a credit broker, not a lender. Fees depend on the lender, and there is nothing to pay upfront. This page is general information, not financial advice. Lenders set their own criteria, rates and terms, and all finance is subject to status.
Common questions
Does a BL postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude BL. Providers look at the building, its valuation and the trading business that will repay.
What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
Why businesses choose Smart Funding Solutions
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Our clients say
Trusted by UK businesses across every sector.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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