Inverness, Scotland

Commercial Mortgages & Property Finance in Inverness

Inverness is the capital of the Highlands, one of Europe's fastest-growing cities, and the main commercial and transport hub for northern Scotland. The city has a stunning setting on the River Ness at the head of the Caledonian Canal, and its castle, cathedral, and Victorian New Town create an attractive centre. The city's growing university sector and tourism economy drive strong property demand.

City CentreInverness CampusRaigmoreCulduthelBalloch
£135
Avg Price/sq ft
5.5%
Average Yield
+14%
5yr Price Growth
+10.5%
5yr Rental Growth

Inverness Local Market Intelligence

Gateway to Highlands drives tourism. University Highlands and Islands campus growing. Whisky and energy sectors strong.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage
  • Technology & Life Sciences
  • Healthcare (Raigmore Hospital)
  • Retail
  • Professional Services

Transport Links

  • ScotRail to Edinburgh/Glasgow/Aberdeen/Thurso/Kyle
  • A9 to Perth/Edinburgh
  • Inverness Airport (domestic and European)
  • Caledonian Canal

Regeneration

Inverness city centre regeneration; Inverness Campus (University of Highlands and Islands); Beechwood housing; Tornagrain new town; Inverness Castle transformation; West Link road

Commercial Mortgages in Inverness

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

When speed matters for your Inverness 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 Inverness

For developers building in Inverness, 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 Inverness for Commercial Property Investment

Lender Appetite

Good appetite for hospitality and commercial. Development supported.

Latest Commercial Property News in Inverness

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

Calculate Your Inverness Property Finance

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