Edinburgh, Scotland

Commercial Mortgages & Property Finance in Edinburgh

Edinburgh is Scotland's capital and a UNESCO World Heritage Site with a thriving financial services sector and world-renowned festival. The city offers premium property finance opportunities in one of the UK's most attractive markets.

City CentreNew TownOld TownLeithHaymarketQuartermile
£325
Avg Price/sq ft
5.2%
Average Yield
+28.5%
5yr Price Growth
+21.5%
5yr Rental Growth

Edinburgh Local Market Intelligence

UK's second financial centre. Festival economy drives hospitality demand. Constrained supply supporting premium values. Student market exceptionally strong.

— CMB Market Analysis

Key Industries

  • Financial Services
  • Technology
  • Tourism
  • Higher Education
  • Life Sciences
  • Legal Services

Transport Links

  • Waverley Station mainline
  • Edinburgh Airport
  • Tram network
  • M8 motorway

Regeneration

St James Quarter complete; Edinburgh Park expansion; waterfront development

Commercial Mortgages in Edinburgh

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

When speed matters for your Edinburgh 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 Edinburgh

For developers building in Edinburgh, 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 Edinburgh for Commercial Property Investment

Investment Highlights

  • Scotland's capital
  • World Heritage status
  • Major financial centre
  • Strong tourism economy

Development Opportunities

Waterfront, Edinburgh Park, and city centre infill offer development potential.

Lender Appetite

Very strong appetite for all quality assets. Premium location commands competitive terms.

Property Types We Finance

Grade A OfficeBuild-to-RentRetailStudent AccommodationHotelMixed-Use

Our team has strong relationships with Scottish lenders and extensive Edinburgh market experience.

Latest Commercial Property News in Edinburgh

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

Calculate Your Edinburgh Property Finance

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