Dingwall, Scotland

Commercial Mortgages & Property Finance in Dingwall

Dingwall is the county town of Ross and Cromarty in the Scottish Highlands, a small market town at the head of the Cromarty Firth. The town serves as a gateway to the North-west Highlands and has a Viking heritage (the name derives from Old Norse 'thingvollr', meaning assembly field). Dingwall is an important rail junction where the Far North and Kyle lines diverge.

Dingwall Town CentreCraig PhadrigStrathpefferMaryburghEvanton
£85
Avg Price/sq ft
6.2%
Average Yield
+12.5%
5yr Price Growth
+9.5%
5yr Rental Growth

Dingwall Local Market Intelligence

Ross and Cromarty county town. Strong agricultural services. Gateway to north.

— CMB Market Analysis

Key Industries

  • Agriculture
  • Retail
  • Tourism
  • Healthcare
  • Public Administration

Transport Links

  • ScotRail to Inverness (25 mins)/Far North Line/Kyle Line
  • A9 to Inverness (12 miles)
  • A834 to Strathpeffer
  • A862 to Black Isle

Regeneration

Dingwall town centre improvement; former auction mart site; Dingwall Business Park; ferry point area; Cromarty Firth enterprise area proximity; Highland Council area investment

Commercial Mortgages in Dingwall

Whether you're acquiring office space, retail units, or industrial property in Dingwall, 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 Dingwall 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 Dingwall

When speed matters for your Dingwall 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 Dingwall

For developers building in Dingwall, 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 Dingwall for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Dingwall

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

Calculate Your Dingwall Property Finance

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