Kilmarnock, Scotland

Commercial Mortgages & Property Finance in Kilmarnock

Kilmarnock is East Ayrshire's principal town and the birthplace of Johnnie Walker whisky, with a strong engineering heritage. The town centre has been extensively regenerated with the HALO Enterprise and Innovation Centre on the former Johnnie Walker bottling plant site, positioning Kilmarnock as an innovation hub. The Dick Institute museum and Burns monument add cultural depth.

Kilmarnock Town CentreBonnytonHoward ParkBellfieldNew Farm Loch
£65
Avg Price/sq ft
7.2%
Average Yield
+11%
5yr Price Growth
+8.5%
5yr Rental Growth

Kilmarnock Local Market Intelligence

Whisky heritage with Johnnie Walker. HALO innovation centre. Ayrshire Growth Deal investment.

— CMB Market Analysis

Key Industries

  • Whisky Heritage (Johnnie Walker)
  • Engineering
  • Retail
  • Technology
  • Healthcare

Transport Links

  • ScotRail to Glasgow (35 mins)/Ayr
  • A77 to Glasgow/Ayr
  • A71 to Edinburgh/Irvine
  • A76 to Dumfries

Regeneration

HALO Enterprise and Innovation Centre (former Johnnie Walker site); Kilmarnock town centre masterplan; Green Infrastructure; Opera House restoration; Ayrshire Growth Deal investment

Commercial Mortgages in Kilmarnock

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

When speed matters for your Kilmarnock 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 Kilmarnock

For developers building in Kilmarnock, 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 Kilmarnock for Commercial Property Investment

Lender Appetite

Appetite improving with HALO development.

Latest Commercial Property News in Kilmarnock

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

Calculate Your Kilmarnock Property Finance

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