Johnstone, Scotland

Commercial Mortgages & Property Finance in Johnstone

Johnstone is a Renfrewshire town west of Paisley with a thread-making and engineering heritage. The town has good rail connectivity to Glasgow and benefits from proximity to Glasgow Airport. Johnstone Castle is one of Scotland's most significant housing regeneration projects, transforming the town's largest estate into a new neighbourhood.

Johnstone Town CentreLinwoodElderslieKilbarchanBrookfield
£60
Avg Price/sq ft
7.5%
Average Yield
+11%
5yr Price Growth
+8.5%
5yr Rental Growth

Johnstone Local Market Intelligence

Renfrewshire town with thread manufacturing heritage. Good Glasgow commuter links.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Retail
  • Healthcare
  • Engineering
  • Construction

Transport Links

  • ScotRail to Glasgow (25 mins)/Paisley
  • A737 to Irvine/A78
  • A761 to Paisley/Glasgow Airport
  • National Cycle Network Route 7

Regeneration

Johnstone Castle housing regeneration; town centre improvement; Cochrane Castle housing area; Spateston housing; Fordbank area; community facilities investment

Commercial Mortgages in Johnstone

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

When speed matters for your Johnstone 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 Johnstone

For developers building in Johnstone, 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 Johnstone for Commercial Property Investment

Lender Appetite

Good appetite for residential.

Latest Commercial Property News in Johnstone

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

Calculate Your Johnstone Property Finance

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