Thurso, Scotland

Commercial Mortgages & Property Finance in Thurso

Thurso is the northernmost town on mainland Britain, a former nuclear town that grew with the Dounreay experimental reactor complex. With Dounreay now being decommissioned, Thurso is transitioning towards renewable energy, marine industries, and space launch (the nearby Sutherland spaceport). The town's North Atlantic coast offers world-class surfing at Thurso East.

Thurso Town CentreScrabsterCastletownReayHalkirk
£65
Avg Price/sq ft
7%
Average Yield
+8.5%
5yr Price Growth
+7%
5yr Rental Growth

Thurso Local Market Intelligence

Mainland Britain's most northerly town. Famous surfing. Orkney ferry at Scrabster.

— CMB Market Analysis

Key Industries

  • Nuclear Decommissioning (Dounreay)
  • Renewable Energy
  • Tourism & Surfing
  • Agriculture
  • Space Industry (Sutherland Spaceport)

Transport Links

  • ScotRail Far North Line to Inverness (3hr 30)
  • A9 to Inverness
  • Scrabster Harbour (ferry to Orkney)
  • Thurso Bay and surfing coast

Regeneration

Thurso town centre regeneration; Dounreay decommissioning legacy; North Highland College campus; Scrabster harbour expansion; Caithness Horizon leisure; space launch industry; marine energy

Commercial Mortgages in Thurso

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

When speed matters for your Thurso 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 Thurso

For developers building in Thurso, 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 Thurso for Commercial Property Investment

Lender Appetite

Good appetite. Energy sector projects.

Latest Commercial Property News in Thurso

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

Calculate Your Thurso Property Finance

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