We cover senior investment commercial mortgages at 6.0% to 7.5% on 60 to 75 percent LTV, owner-occupier deals at 6.0% to 7.25% for trading businesses with two years of clean accounts, mezzanine at 11 to 14 percent, and bridging commercial at 0.55 to 0.80 percent per month. We unpack the DSCR norm of 1.30 to 1.40 times that the Leeds lender panel is asking for on investment cases, the ICR expectation of 130 to 140 percent on interest-only structures, and the 250 to 300 basis-point stress test above pay rate that most underwriters apply.

We walk through where the Leeds deals are actually flowing in Q2 2026:

• Wellington Place and South Bank Leeds as the prime office quarters setting the rent evidence
• Holbeck Urban Village and Aire Park as the creative-led mixed-use cluster taking conversion finance
• East Leeds, Cross Green, and Leeds Valley Park as the last-mile industrial corridor absorbing space faster than the local pipeline can deliver

We finish with a typical Leeds broker case shape and the twelve-month outlook for borrowers.

Chapters

• 00:00 The Q2 2026 starting point in Leeds
• 00:15 Senior investment pricing: 6.0 to 7.5 percent
• 00:30 Owner-occupier pricing: 6.0 to 7.25 percent
• 00:50 Bank of England base rate at 3.75 percent
• 01:10 Where the deals are: Wellington Place, Holbeck Urban Village, East Leeds
• 03:00 DSCR 1.30 to 1.40x and stress testing on Leeds rental evidence
• 04:30 Lender panel: specialist commercial lenders and challenger banks
• 06:00 A typical sub-3-million-pound Leeds investment case
• 07:30 Twelve-month outlook for Leeds commercial mortgage borrowers
• 09:00 How to talk to us about a Leeds commercial mortgage

Read the full report

https://commercialmortgagesleeds.co.uk/

Across the cloud network

The same Q2 2026 Leeds market outlook is published across our cloud network with a different angle per platform:

• Netlify: https://cmb-leeds-2026-q2-01-commercial-mortgages-leeds-market.netlify.app
• Cloudflare Pages: https://cmb-leeds-2026-q2-01-leeds-cloudflare.pages.dev
• Fly.io: https://cmb-leeds-2026-q2-01-leeds-fly.fly.dev
• Surge: https://cmb-leeds-2026-q2-01-leeds-surge.surge.sh
• GitHub Pages: https://mattylll.github.io/cmb-leeds-2026-q2-01-leeds-github-pages
• Bunny CDN: https://constructioncapital.b-cdn.net/cmb-leeds-2026-q2-01-leeds-bunny/
• Linode Object Storage: https://gb-lon-1.linodeobjects.com/cmb-leeds-2026-q2-01-leeds-linode/index.html
• Hugging Face Spaces: https://mattlenzie-cmb-leeds-2026-q2-01-leeds-hf-spaces.static.hf.space

About

Commercial Mortgages Leeds is a trading name of Lenzie Consulting Ltd, a UK specialist commercial mortgage and bridging finance broker. We work with owners, occupiers, and investors across the Leeds and West Yorkshire commercial property markets.

We are not FCA-authorised. Commercial mortgages on commercial property are unregulated. Where regulated activity is required, we introduce to FCA-authorised firms.

For commercial mortgage enquiries in Leeds, visit https://commercialmortgagesleeds.co.uk/