Commercial mortgage broker Scotland

What Is a Commercial Mortgage

A commercial mortgage broker Scotland helps businesses finance the purchase, refinance or development of business premises. Offices, industrial units, retail space, warehouses, mixed use property and investment properties all fall within scope.

Commercial mortgage rates and terms vary significantly by lender, property type, loan to value ratio (typically 60 to 80 per cent), and the strength of the business case behind the application. As an independent commercial mortgage broker Scotland, Fraser Finance Solutions presents your application to the right lender from the outset — avoiding wasted time and unnecessary credit footprints on your business credit file.

For Scottish businesses across Glasgow, Edinburgh, Aberdeen, Dundee and beyond, a commercial mortgage provides long term cost certainty and builds an asset base over time. No landlord. No rent increases. Just your own premises working for your business.

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Who Are Commercial Mortgages For?

Commercial mortgage Scotland products are ideal for businesses looking to purchase, refinance or develop commercial property. We regularly help:

Owner-Occupied Businesses

Companies currently renting who want to own their premises — fixed costs, asset building, no landlord risk.

Property Investors

Individuals and businesses looking for buy to let commercial mortgages on investment property.

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Expanding Businesses

Firms needing larger premises to accommodate growth — moving from rented to owned.

Startups and New Companies

Newer businesses with strong personal credit and deposit looking to purchase their first premises.

Sole Traders and Partnerships

Self employed professionals wanting to own their office, workshop or retail space.

Agricultural Businesses

Farm diversifications, rural business premises and agricultural property finance.

Housing Security​

Prioritize and discuss your team’s work in full context with complete visibility and make changes for everyone.

Types of Commercial Mortgages

Finance for Business Premises

When you search for commercial mortgage Scotland, you will encounter several product variations. Here is what you need to know.

Owner-Occupied Commercial Mortgage — For Your Own Business Premises

An owner-occupied commercial mortgage Scotland is for businesses buying the property they trade from. The business occupies the premises, pays the mortgage, and builds equity over time. Loan to value ratios typically range from 60 to 80 per cent. Terms run from 5 to 25 years.

Buy to Let Commercial Mortgage — For Investment Property

A buy to let commercial mortgage finances the purchase of commercial property rented to tenants. Lenders assess the rental income as part of the application. Ideal for business owners looking to diversify into property investment or purchase an additional unit to rent out.

Commercial Mortgage Refinance — Release Capital from Existing Property

Commercial property finance Scotland is not just for purchases. Refinancing your existing commercial mortgage can release capital for business investment, reduce monthly payments, or fund expansion — all while keeping your premises.

Why Choose Fraser Finance Solutions as Your Commercial Mortgage Broker Scotland?

Not all commercial mortgage Scotland providers are the same. High street banks have rigid criteria. Specialist lenders offer more flexibility but are harder to find. As an independent commercial mortgage broker Scotland, we do things differently.

Here is why Scottish SMEs choose us for commercial property finance Scotland:

  • 40 plus lenders — including high-street banks and specialist commercial mortgage providers

  • Fast decisions — most applications answered within 24 to 72 hours

  • Loan to value up to 80 per cent — sometimes higher for strong cases

  • Terms from 5 to 25 years — fixed or variable rates available

  • FCA regulated — we follow the highest professional standards

  • Personal service — you deal directly with Fraser, not a call centre

Commercial mortgage broker Scotland

Whether you need an owner-occupied commercial mortgage, a buy to let mortgage broker Scotland solution, or commercial mortgage refinance, we find the right deal at the right terms.

Commercial Mortgages Across Scotland — By Region

Commercial mortgage Scotland solutions are available across every region. Fraser Finance Solutions handles enquiries nationwide, with specialist knowledge of local property markets.

Commercial Mortgages Glasgow and West of Scotland

For businesses across Glasgow, Paisley and the wider West of Scotland, we work with mainstream bank lenders and specialist commercial mortgage broker Glasgow providers who understand the local property market. 

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Commercial Mortgages Stirling, Falkirk and FK Postcode

Commercial mortgage Scotland finance across the FK postcode area. Industrial and warehouse premises in Falkirk and Grangemouth, retail and office space in Stirling, plus agricultural property.

Commercial Mortgages Scottish Borders and TD Postcode

Commercial property finance Scotland across the Scottish Borders. Agricultural land, rural premises, retail, industrial and investment property. Galashiels, Hawick, Jedburgh, Kelso, Peebles, Selkirk, Melrose, Eyemouth.

Find Your Region

Commercial Mortgages Glasgow and West of Scotland

We arrange commercial mortgages across Glasgow and the West of Scotland for industrial, office, retail, and mixed-use properties

Housing Security​

Prioritize and discuss your team’s work in full context with complete visibility and make changes for everyone.

Commercial Mortgages Stirling, Falkirk and FK Postcode

Commercial mortgages across the FK area for all commercial and agricultural property types.

Commercial Mortgages Scottish Borders and TD Postcode

Commercial property finance across the Scottish Borders for agricultural, retail, industrial, investment, and rural properties.

Find Your Region

FAQs About Commercial Mortgage Broker Scotland

Here are common questions businesses ask about commercial mortgage Scotland.

Typical deposits range from 20 to 40 per cent of the property value. Loan to value ratios vary by lender, property type and business strength. As a commercial mortgage broker Scotland, we find lenders offering the highest LTV for your situation.

Yes. Startup businesses can access commercial mortgage Scotland products through specialist lenders, though deposits may be higher at 30 to 40 per cent and personal guarantees are typically required.

Straightforward applications can return an offer within 2 to 4 weeks. More complex cases or specialist properties may take 6 to 8 weeks. Presenting to the right lender from the outset is the biggest factor in speed.

Yes. A buy to let commercial mortgage is designed specifically for investment property. Lenders assess the rental income as part of the application.

Offices, industrial units, warehouses, retail premises, mixed use property, agricultural buildings, and commercial investment property all qualify. Even some semi-commercial properties like a shop with a flat above are covered.

Ready to Buy Your Business Premises in Scotland?

Whether you are in Glasgow, Edinburgh, Aberdeen, Dundee, Stirling, Perth, Inverness, Falkirk, the Scottish Borders, or anywhere else in Scotland, we can help. One conversation. 40 plus lenders. The right commercial mortgage Scotland deal for your business.Contact Fraser today for a free, no-obligation consultation. No pressure. Just honest advice from an independent commercial mortgage broker Scotland who puts your business first.

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