Peterhead, Scotland

Commercial Mortgages & Property Finance in Peterhead

Peterhead is one of Europe's largest white fish ports and a key North Sea oil and gas service base. The town's pink granite buildings give it a distinctive character, and the Peterhead Prison Museum adds an unusual heritage attraction. The port handles significant volumes of fish landings, offshore supply vessels, and is home to one of the UK's carbon capture and storage projects.

Peterhead Town CentrePeterhead Prison MuseumRoanheadsBuchanhavenBoddam
£60
Avg Price/sq ft
7.5%
Average Yield
+8.5%
5yr Price Growth
+7%
5yr Rental Growth

Peterhead Local Market Intelligence

Europe's largest white fish port. Strong oil and gas sector. Major fishing industry.

— CMB Market Analysis

Key Industries

  • Fishing & Fish Processing
  • Oil & Gas Services
  • Port Operations
  • Renewable Energy (offshore wind)
  • Manufacturing

Transport Links

  • A90 to Aberdeen (30 miles)
  • A952 to Fraserburgh
  • Peterhead Harbour (major fishing and energy port)
  • No direct rail (nearest: Aberdeen)

Regeneration

Peterhead town centre regeneration; harbour expansion and modernisation; Peterhead CCS Project; former prison site development; Smith Embankment; fish market investment; St Fergus gas terminal area

Commercial Mortgages in Peterhead

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

When speed matters for your Peterhead 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 Peterhead

For developers building in Peterhead, 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 Peterhead for Commercial Property Investment

Lender Appetite

Good appetite for maritime and energy.

Latest Commercial Property News in Peterhead

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

Calculate Your Peterhead Property Finance

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