Perth, Scotland

Commercial Mortgages & Property Finance in Perth

Perth is Scotland's newest city (status restored in 2012), a beautiful settlement at the tidal limit of the River Tay surrounded by Perthshire's stunning landscape. Known as the 'Gateway to the Highlands', Perth has a thriving food and drink economy, the Perth Concert Hall, and the recently opened Perth Museum (home to the Stone of Destiny). The city offers a quality of life that ranks among Scotland's best.

Perth City CentreBridgendMuirtonSconeAlmondbank
£120
Avg Price/sq ft
5.5%
Average Yield
+13%
5yr Price Growth
+10%
5yr Rental Growth

Perth Local Market Intelligence

Fair City with strong agricultural hinterland. Major insurance employers. Gateway to Highlands.

— CMB Market Analysis

Key Industries

  • Food & Drink
  • Tourism & Heritage
  • Professional Services
  • Retail
  • Insurance (General Accident/Aviva heritage)

Transport Links

  • ScotRail to Edinburgh (60 mins)/Glasgow/Inverness/Aberdeen
  • M90 to Edinburgh
  • A9 to Inverness/Stirling
  • A93 to Braemar/Balmoral

Regeneration

Perth city centre regeneration; Perth Museum (Stone of Destiny); Perth West housing (3,000 homes); City Hall and market area; Thimblerow; Bertha Park housing; Perth Eco Innovation Park

Commercial Mortgages in Perth

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

When speed matters for your Perth 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 Perth

For developers building in Perth, 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 Perth for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Perth

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

Calculate Your Perth Property Finance

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