Specialist commercial mortgage broker for trading firms in Flintshire, North Wales

Few Welsh counties have an industrial base quite like this one. Airbus builds wings for the A320, A330 and A350 at Broughton, and BelugaXL transport aircraft fly them out every day. Toyota makes engines here, Eren Paper operates in the county, and UPM Shotton Paper, the largest paper mill in the UK, takes power directly from Shotwick Solar Park. The Shotton Steelworks site, owned by Tata Steel, still produces coated steel, mostly for the construction industry. Moneysupermarket.com is based in Ewloe.

Large plants rarely need a broker. Their supply chains do. The companies we expect to hear from are machine shops, fabricators, tooling firms, hauliers, packaging suppliers and contractors serving those sites, plus the trade counters and service firms in the towns. Their purchase is usually a light industrial unit with a yard, a workshop with offices attached or a modest warehouse. Our page on owner-occupier mortgages explains how a lender assesses a company buying the building it already runs from.

Flintshire is in Wales, so a purchase here pays Land Transaction Tax to the Welsh Revenue Authority rather than English stamp duty, even though Chester is only a few miles away. Under the Welsh Revenue Authority's non-residential bands (gov.wales), LTT is 0% up to £225,000, 1% from £225,001 to £250,000, 5% from £250,001 to £1,000,000 and 6% above £1,000,000, rates as at October 2026; check the current rates before you buy.

Illustrative example. A precision engineering company supplying the aerospace sector buys a freehold unit near Broughton for £600,000. A 75% loan is £450,000, leaving a £150,000 deposit. LTT on that price comes to £17,750, so the business needs roughly £167,750 in cash before legal and valuation fees, because lenders do not lend the tax.

Indicative owner-occupier pricing is 6.0 to 7.5% a year, typically at 70 to 75% loan to value and up to 80% for strong cases, over 5 to 25 years, with arrangement fees usually 1 to 2%, all subject to status, accounts and valuation. Our guide to stamp duty on commercial property compares the Welsh bands with SDLT across the border.

The tax is Welsh but the law is shared. Wales sits inside the England and Wales jurisdiction, so the lender takes a first legal charge over the building and registers it at HM Land Registry, and any solicitor qualified in England and Wales can act. Directors are normally asked for a personal guarantee, and some lenders also take a debenture over the company.

Planning sits with Flintshire County Council, which now runs from Ewloe after Mold stopped being its administrative seat in 2025. A lender's solicitor will check that the current use of a unit is lawful, so look at the planning history before agreeing a price, particularly on older industrial land along the estuary. Commercial lending to a limited company is unregulated and falls outside the FCA's regulated mortgage perimeter. Where a deal would be regulated, for example lending to a sole trader or individual, or a property where the borrower or a close family member will live in part of it, we refer it to an appropriately authorised firm.

Many owner-occupiers here already hold their building on an older facility. A remortgage can move the debt to a lender whose terms suit the business today, release equity to pay for machinery or an extension, or replace short-term money used to buy quickly. Commercial remortgage pricing runs 6.0 to 8.0% a year, indicative, subject to status, accounts and valuation. Our page on remortgaging business premises covers what a new lender will ask for, and our business mortgages in Wales hub links to the other principal areas.