Montrose, Scotland

Commercial Mortgages & Property Finance in Montrose

Montrose is an Angus coastal town with one of the largest tidal basins in the UK (Montrose Basin, an important nature reserve). The town has a spacious planned Georgian centre, a links golf course, and serves as a base for North Sea oil and gas operations. The decommissioning of offshore installations presents both challenges and economic opportunities.

Montrose Town CentreMontrose BasinFerrydenHillsideSt Cyrus
£75
Avg Price/sq ft
6.5%
Average Yield
+10.5%
5yr Price Growth
+8%
5yr Rental Growth

Montrose Local Market Intelligence

Oil and gas supply base. Montrose Basin nature reserve. Strong agricultural services.

— CMB Market Analysis

Key Industries

  • Oil & Gas Services
  • Agriculture
  • Fishing
  • Tourism (Montrose Basin)
  • Manufacturing

Transport Links

  • ScotRail to Dundee (30 mins)/Aberdeen (45 mins)
  • A92 coast road to Dundee/Aberdeen
  • A935 to Brechin
  • Montrose Harbour and port

Regeneration

Montrose town centre improvement; port and harbour investment; Montrose Basin visitor centre; former MOD Edzell site; High Street heritage conservation; South Montrose housing

Commercial Mortgages in Montrose

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

When speed matters for your Montrose 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 Montrose

For developers building in Montrose, 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 Montrose for Commercial Property Investment

Lender Appetite

Good appetite. Oil and gas valued.

Latest Commercial Property News in Montrose

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

Calculate Your Montrose Property Finance

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