Stornoway, Scotland

Commercial Mortgages & Property Finance in Stornoway

Stornoway is the principal town of the Outer Hebrides on the Isle of Lewis, a remote but vibrant community with a strong Gaelic culture, a working harbour, and the famous Harris Tweed industry. The town is the gateway to the Outer Hebrides and serves as the commercial and administrative centre for the Western Isles. Lews Castle and its grounds provide a heritage backdrop.

Stornoway Town CentreStornoway HarbourNewtonSandwickLaxdale
£95
Avg Price/sq ft
5.8%
Average Yield
+11.5%
5yr Price Growth
+9%
5yr Rental Growth

Stornoway Local Market Intelligence

Western Isles capital. Harris Tweed industry. Strong fishing and tourism. Gaelic culture.

— CMB Market Analysis

Key Industries

  • Harris Tweed
  • Fishing & Aquaculture
  • Renewable Energy (wind)
  • Tourism
  • Retail

Transport Links

  • CalMac ferry to Ullapool (2hr 30)
  • Stornoway Airport (Loganair to Glasgow/Edinburgh/Inverness)
  • Stornoway Harbour
  • A857/A858 to Ness/Callanish

Regeneration

Stornoway town centre improvement; Lews Castle restoration; Newton Marina; An Lanntair arts centre; harbour master plan; Goat Island development; Western Isles Hospital investment

Commercial Mortgages in Stornoway

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

When speed matters for your Stornoway 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 Stornoway

For developers building in Stornoway, 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 Stornoway for Commercial Property Investment

Lender Appetite

Specialist appetite for island properties.

Latest Commercial Property News in Stornoway

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

Calculate Your Stornoway Property Finance

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