Livingston, Scotland

Commercial Mortgages & Property Finance in Livingston

Livingston is West Lothian's new town, purpose-built from the 1960s and now one of Scotland's most important commercial centres. The Livingston Designer Outlet and Almondvale Centre create a major retail destination, while technology and electronics companies cluster at the Alba Campus and various business parks. The town's position on the M8 Edinburgh-Glasgow corridor is its key strategic advantage.

Livingston CentreAlmondvaleKirktonHowdenDeans
£95
Avg Price/sq ft
6.2%
Average Yield
+12.5%
5yr Price Growth
+9.5%
5yr Rental Growth

Livingston Local Market Intelligence

New Town with strong employment base. Tech sector growing. Major retail at Almondvale.

— CMB Market Analysis

Key Industries

  • Technology & Electronics
  • Retail
  • Manufacturing
  • Financial Services
  • Healthcare

Transport Links

  • ScotRail to Edinburgh (20 mins)/Glasgow (40 mins)
  • M8 Junction 3 (adjacent)
  • A71 to Edinburgh/Kilmarnock
  • Almondell Country Park access

Regeneration

Livingston town centre regeneration; Designer Outlet investment; Alba Campus technology park; Brucefield Industrial Estate; Kirkton and Dedridge housing renewal; community campus development

Commercial Mortgages in Livingston

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

When speed matters for your Livingston 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 Livingston

For developers building in Livingston, 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 Livingston for Commercial Property Investment

Lender Appetite

Good appetite for industrial and retail.

Latest Commercial Property News in Livingston

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

Calculate Your Livingston Property Finance

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