Wick, Scotland

Commercial Mortgages & Property Finance in Wick

Wick is a Caithness town on Scotland's north-east coast with a remarkable herring fishing heritage celebrated at the Wick Heritage Museum, one of the UK's finest small museums. The town's harbour area and Johnston's of Wick (Caithness Glass) add character. Wick John O'Groats Airport provides vital air links, and the town is the gateway to the nearby Castle of Mey.

Wick Town CentreWick HarbourPulteneytownSouth HeadThurso Road
£55
Avg Price/sq ft
7.5%
Average Yield
+8%
5yr Price Growth
+6.5%
5yr Rental Growth

Wick Local Market Intelligence

Caithness town with growing offshore wind sector. Historic harbour. Affordable property values.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage
  • Fishing
  • Renewable Energy
  • Agriculture
  • Retail

Transport Links

  • ScotRail Far North Line to Inverness
  • Wick John O'Groats Airport (Loganair)
  • A9 to Thurso/Inverness
  • A99 to John O'Groats

Regeneration

Wick town centre regeneration; harbour and riverfront improvements; Wick Heritage Museum investment; former herring yards conservation; Caithness General Hospital; Newton housing area

Commercial Mortgages in Wick

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

When speed matters for your Wick 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 Wick

For developers building in Wick, 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 Wick for Commercial Property Investment

Lender Appetite

Selective appetite. Energy sector projects favoured.

Latest Commercial Property News in Wick

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

Calculate Your Wick Property Finance

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