Wishaw, Scotland

Commercial Mortgages & Property Finance in Wishaw

Wishaw is a North Lanarkshire town adjacent to Motherwell, home to University Hospital Wishaw, one of Scotland's largest district general hospitals. The town has a traditional main street and serves a residential catchment that benefits from Glasgow commuter rail services. Wishaw offers some of the most affordable commercial property in the Central Belt.

Wishaw Town CentreCraigneukCambusnethanClelandOvertown
£55
Avg Price/sq ft
7.8%
Average Yield
+11%
5yr Price Growth
+8.5%
5yr Rental Growth

Wishaw Local Market Intelligence

Historic steel town with strong community. Growing residential development.

— CMB Market Analysis

Key Industries

  • Healthcare (University Hospital Wishaw)
  • Retail
  • Manufacturing
  • Construction
  • Professional Services

Transport Links

  • ScotRail to Glasgow (30 mins)/Edinburgh via Shotts
  • A721 to Kilmarnock/Motherwell
  • A722 to Lanark
  • M74 Junction 6 (5 miles)

Regeneration

Wishaw town centre improvement; University Hospital investment; Overtown housing area; former Garrion Bridge development; Greenhead Moss nature reserve; Caledonian housing renewal

Commercial Mortgages in Wishaw

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

When speed matters for your Wishaw 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 Wishaw

For developers building in Wishaw, 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 Wishaw for Commercial Property Investment

Lender Appetite

Good appetite for residential.

Latest Commercial Property News in Wishaw

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

Calculate Your Wishaw Property Finance

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