Galashiels, Scotland

Commercial Mortgages & Property Finance in Galashiels

Galashiels is the largest town in the Scottish Borders, a former textile centre on the Gala Water that has been transformed by the Borders Railway, which opened in 2015 as the longest new domestic railway built in Britain for over a century. The rail link to Edinburgh (55 mins) has boosted the local economy and property market significantly.

Galashiels Town CentreBorders CampusTweedbankLangleeNetherdale
£75
Avg Price/sq ft
6.5%
Average Yield
+14.5%
5yr Price Growth
+11%
5yr Rental Growth

Galashiels Local Market Intelligence

Scottish Borders town transformed by new railway. Heriot-Watt Borders Campus. Textile heritage.

— CMB Market Analysis

Key Industries

  • Textile Heritage
  • Retail
  • Education (Heriot-Watt Borders)
  • Technology
  • Tourism

Transport Links

  • Borders Railway to Edinburgh (55 mins)
  • A7 to Edinburgh/Carlisle
  • A72 to Peebles/Glasgow
  • A68 to Lauder/Newcastle

Regeneration

Galashiels town centre transport interchange and regeneration; Borders Railway corridor development; Gala Water Bridge; former textile mill conversions; Tweedbank expansion; Great Tapestry of Scotland

Commercial Mortgages in Galashiels

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

When speed matters for your Galashiels 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 Galashiels

For developers building in Galashiels, 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 Galashiels for Commercial Property Investment

Lender Appetite

Good appetite with rail connectivity.

Latest Commercial Property News in Galashiels

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

Calculate Your Galashiels Property Finance

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