Nairn, Scotland

Commercial Mortgages & Property Finance in Nairn

Nairn is a Highland town on the Moray Firth coast, historically a popular Victorian holiday resort and still known for its long sandy beaches and golf courses. The town has a dual character, with the old fishing quarter at Fishertown contrasting with the elegant Victorian town. Nairn's microclimate is notably dry and sunny for Scotland.

Nairn Town CentreNairn BeachCawdorAuldearnDelnies
£110
Avg Price/sq ft
5.5%
Average Yield
+12.5%
5yr Price Growth
+9.5%
5yr Rental Growth

Nairn Local Market Intelligence

Victorian seaside resort. Strong golf tourism. Gateway to Highlands.

— CMB Market Analysis

Key Industries

  • Tourism & Golf
  • Agriculture
  • Retail
  • Healthcare
  • Hospitality

Transport Links

  • ScotRail to Inverness (15 mins)/Aberdeen
  • A96 to Inverness/Elgin
  • A939 to Grantown-on-Spey
  • Nairn Beach and harbour

Regeneration

Nairn town centre improvements; Links and beach area; Fishertown heritage conservation; Sandown housing; Lochloy area; flood prevention scheme; Nairn community campus

Commercial Mortgages in Nairn

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

When speed matters for your Nairn 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 Nairn

For developers building in Nairn, 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 Nairn for Commercial Property Investment

Lender Appetite

Good appetite for tourism.

Latest Commercial Property News in Nairn

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

Calculate Your Nairn Property Finance

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