Dunfermline, Scotland

Commercial Mortgages & Property Finance in Dunfermline

Dunfermline is Fife's largest city and the ancient capital of Scotland, where kings were crowned and buried in its magnificent abbey (including Robert the Bruce). The city has grown rapidly with major housing development and serves as a key commercial centre for west Fife, benefiting from the Forth Road Bridge/Queensferry Crossing connectivity to Edinburgh.

Dunfermline Town CentreDunfermline AbbeyKingsgateCarnegie DrivePitreavie
£95
Avg Price/sq ft
6.2%
Average Yield
+13.5%
5yr Price Growth
+10.5%
5yr Rental Growth

Dunfermline Local Market Intelligence

Newly designated city. Strong Amazon presence. Growing tech sector. Carnegie heritage.

— CMB Market Analysis

Key Industries

  • Technology
  • Retail
  • Professional Services
  • Healthcare
  • Manufacturing

Transport Links

  • ScotRail to Edinburgh (35 mins) via Queensferry Crossing
  • M90 Junction 2/3 (adjacent)
  • A823 to Forth Bridge
  • Queensferry Crossing (2017)

Regeneration

Dunfermline city centre regeneration; Kingsgate Centre redevelopment; Carnegie heritage quarter; fire station creative hub; Wellwood housing; Queen Anne Business Park; City of Dunfermline status (2022)

Commercial Mortgages in Dunfermline

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

When speed matters for your Dunfermline 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 Dunfermline

For developers building in Dunfermline, 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 Dunfermline for Commercial Property Investment

Lender Appetite

Good appetite with city status boost.

Latest Commercial Property News in Dunfermline

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

Calculate Your Dunfermline Property Finance

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