Bathgate, Scotland

Commercial Mortgages & Property Finance in Bathgate

Bathgate is a West Lothian town that has been transformed by the Airdrie-Bathgate rail link providing direct services to both Edinburgh and Glasgow. The town's Victorian industrial heritage is giving way to a modern commuter economy, and its position in Scotland's central belt between the two largest cities creates strong demand for affordable residential and commercial property.

Bathgate Town CentreBlackburnWhitburnArmadaleHarthill
£85
Avg Price/sq ft
6.5%
Average Yield
+12%
5yr Price Growth
+9.5%
5yr Rental Growth

Bathgate Local Market Intelligence

West Lothian town with strong industrial heritage. Good Edinburgh/Glasgow rail links.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Technology
  • Retail
  • Healthcare
  • Logistics

Transport Links

  • ScotRail to Edinburgh (25 mins)/Glasgow via Airdrie (50 mins)
  • M8 Junction 3a (2 miles)
  • A7066 to Livingston
  • A89 to Airdrie

Regeneration

Bathgate town centre improvement; Partnership Centre civic hub; former BMC/Leyland site area; Wester Inch housing; Bathgate Retail Park; rail link catalysed development

Commercial Mortgages in Bathgate

Whether you're acquiring office space, retail units, or industrial property in Bathgate, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across Scotland, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Bathgate commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Bathgate

When speed matters for your Bathgate property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across Scotland, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Bathgate

For developers building in Bathgate, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across Scotland. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across Scotland

Why Bathgate for Commercial Property Investment

Lender Appetite

Good appetite for residential and commercial.

Latest Commercial Property News in Bathgate

Commercial property news for Bathgate will appear here once available. Check back soon for the latest market updates.

Calculate Your Bathgate Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.