Hawick, Scotland

Commercial Mortgages & Property Finance in Hawick

Hawick is a Scottish Borders town famous for its cashmere and knitwear industry, with brands like Hawick Cashmere and Lyle & Scott still manufacturing here. The town hosts the annual Common Riding, one of Scotland's most spectacular equestrian festivals. Its remote Teviotdale location creates a self-contained economy, though the proposed Borders Railway extension could transform connectivity.

Hawick Town CentreBurnfootStirchesWiltonWeensland
£55
Avg Price/sq ft
7.5%
Average Yield
+9.5%
5yr Price Growth
+7.5%
5yr Rental Growth

Hawick Local Market Intelligence

Famous textile town. Strong cashmere and knitwear industry. Borders heritage tourism.

— CMB Market Analysis

Key Industries

  • Cashmere & Textiles
  • Agriculture
  • Retail
  • Tourism
  • Manufacturing

Transport Links

  • A7 to Edinburgh (55 miles)/Carlisle (45 miles)
  • A698 to Kelso/Berwick
  • B6399 to Newcastleton
  • No direct rail (Borders Railway extension proposed)

Regeneration

Hawick town centre regeneration; textile heritage interpretation; former mill conversions; Galalaw business park; Tower Knowe; Borders Railway extension campaign; Heart of Hawick creative hub

Commercial Mortgages in Hawick

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

When speed matters for your Hawick 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 Hawick

For developers building in Hawick, 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 Hawick for Commercial Property Investment

Lender Appetite

Selective appetite. Textile sector understood.

Latest Commercial Property News in Hawick

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

Calculate Your Hawick Property Finance

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