Irvine, Scotland

Commercial Mortgages & Property Finance in Irvine

Irvine is a North Ayrshire new town on the Clyde coast with a heritage as one of Scotland's oldest Royal Burghs. Robert Burns worked as a flax dresser here, and the Scottish Maritime Museum preserves the town's shipbuilding legacy. Irvine's beach, harbour arts centre, and the Magnum leisure centre attract visitors, while the industrial estates provide employment.

Irvine Town CentreHarboursideRivergateVineburghGirdle Toll
£65
Avg Price/sq ft
7.2%
Average Yield
+10.5%
5yr Price Growth
+8.5%
5yr Rental Growth

Irvine Local Market Intelligence

New Town with strong employment base. Harbourside regeneration potential. Growing tech sector.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Retail
  • Healthcare
  • Tourism & Heritage
  • Technology

Transport Links

  • ScotRail to Glasgow (35 mins)
  • A78 to Largs/Greenock
  • A71 to Kilmarnock/Edinburgh
  • Irvine Harbour

Regeneration

Irvine town centre regeneration; Harbourside arts and residential quarter; Irvine Enterprise Area; Scottish Maritime Museum investment; beach park; Annick Water area

Commercial Mortgages in Irvine

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

When speed matters for your Irvine 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 Irvine

For developers building in Irvine, 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 Irvine for Commercial Property Investment

Lender Appetite

Selective appetite for industrial.

Latest Commercial Property News in Irvine

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

Calculate Your Irvine Property Finance

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