Specialist business mortgage broker for companies in Wrexham County Borough (Wrecsam)

The area has a long industrial record. Bersham Ironworks pioneered cannon manufacture between 1715 and 1812, the North Wales Coalfield was heavily mined in the nineteenth century, and tanning and brewing were major trades. By the 1860s Wrexham had 19 breweries, and Wrexham Lager has been brewed there since 1882. The modern brewery site was replaced by Wrexham Central Retail Park, with the original brewhouse kept as a Grade II listed building.

The economy has since moved from coal to high-tech manufacturing, technology and services. Manufacturing is the main industry, at around 20% of employment (18.3% in the 2011 census), followed by wholesale and retail including vehicle repair at 15.2% and health at 14.6%. That points to the premises owner-occupiers buy: factory and warehouse units, motor dealerships and repair workshops, trade counters, clinics and shops. With 75% of the land managed by farmers, agricultural suppliers matter too. Our page on owner-occupier mortgages explains how lenders assess a company buying its own building.

The county borough is a border county in the Welsh Marches, meeting the Cheshire Plain across the River Dee. Two railway lines cross it, the Borderlands line from Wrexham Central to Bidston and the Shrewsbury to Chester line through Ruabon, Wrexham General and Chirk, interchanging at Wrexham General. The area is part of Transport for Wales's North Wales Metro programme, with new Wrexham North and Wrexham South stations proposed. There is no airport in the borough; the nearest are Liverpool, Manchester and Birmingham.

For a lender, that cross-border position widens the market for a good building: a unit near Wrexham can draw occupiers from Cheshire and Shropshire as well as North Wales. The flat eastern side suits industrial development, while hillier western areas and the Ceiriog Valley are more rural, where a valuer will look harder at access and resale.

Lenders active in owner-occupier lending typically advance 70 to 75% of the lower of price and valuation, up to 80% for strong cases, over 5 to 25 years. Indicative pricing is 6.0 to 7.5% a year with arrangement fees of 1 to 2%, subject to status, accounts and valuation.

Wales replaced Stamp Duty Land Tax with Land Transaction Tax, collected by the Welsh Revenue Authority. Non-residential purchases pay 0% 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. A business moving a few miles across the border into England would pay SDLT instead, on different bands.

Illustrative example. A manufacturer buys a factory on the edge of Wrexham for £1,200,000. A 75% loan is £900,000, leaving a £300,000 deposit. LTT is £250, plus £37,500 on the slice to £1,000,000, plus £12,000 at 6% on the last £200,000, so £49,750, and the company needs about £349,750 before fees. Our stamp duty guide compares LTT with SDLT.

Wrexham County Borough Council is the planning authority, and the lender's solicitor checks that the building's use is lawful before funds are released. Wales sits in the England and Wales jurisdiction, so conveyancing works as it does in Cheshire: the lender takes a first legal charge registered at HM Land Registry, usually with a director guarantee or debenture. Lending to a limited company for its premises is unregulated and outside the FCA's regulated mortgage perimeter, and where a deal would be regulated, such as a sole trader or a building with a flat a close family member will live in, we refer it to an appropriately authorised firm. For other areas see business mortgages across Wales.