Dumfries, Scotland

Commercial Mortgages & Property Finance in Dumfries

Dumfries is the 'Queen of the South' and the principal town of Dumfries and Galloway, where Robert Burns spent his final years. The town has a grand sandstone character on the River Nith, a thriving agricultural market, and serves as the commercial capital for a vast region stretching from the Solway coast to the Galloway hills. The Burns connection draws significant cultural tourism.

Dumfries Town CentreCrichtonLocharbriggsLincludenGeorgetown
£80
Avg Price/sq ft
6.5%
Average Yield
+10%
5yr Price Growth
+8%
5yr Rental Growth

Dumfries Local Market Intelligence

Queen of the South. Burns heritage tourism. Crichton campus growing. Strong agricultural hinterland.

— CMB Market Analysis

Key Industries

  • Agriculture & Food Processing
  • Retail
  • Tourism (Burns Heritage)
  • Healthcare
  • Professional Services

Transport Links

  • ScotRail to Glasgow (100 mins)/Carlisle (30 mins)
  • A75 to Stranraer/Carlisle
  • A76 to Kilmarnock
  • A701 to Edinburgh

Regeneration

Dumfries town centre regeneration; Whitesands flood protection and public realm; Burns House and heritage; DG One leisure centre; Crichton campus development; Loreburn Centre investment

Commercial Mortgages in Dumfries

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

When speed matters for your Dumfries 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 Dumfries

For developers building in Dumfries, 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 Dumfries for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Dumfries

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

Calculate Your Dumfries Property Finance

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