Commercial Loans in Aberdeen
Buying a unit at Aberdeen Harbour? Refinancing a period conversion in the AB10 area? Acquiring a multi-let on the high street? Each needs a different lender. We map your deal to the panel that suits Aberdeen property and structure for the best long-term cost.
"Floyd's experience shows. He matched us with the right lender first time and held our hand through completion. We'd been quoted twice as long elsewhere."
Structures we arrange
Commercial Loans options for Aberdeen
Owner-occupier mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Investment mortgage
Typical size £150k – £15m; timeline 6–10 weeks.
Semi-commercial
Typical size £150k – £15m; timeline 6–10 weeks.
Portfolio refinance
Typical size £150k – £15m; timeline 6–10 weeks.
About the Aberdeen market
Aberdeen in context
Geographically, Aberdeen sits in Aberdeen City (Scotland), connected by the A90 and with the AB10, AB11, AB15 postcode footprint covering most of the urban core. Tenemental stock, office conversions and a strong professional-services economy. Scottish title quirks (missives, dispositions) push timelines slightly longer than English deals, so brokers who understand them save weeks.
Aberdeen City · Scotland · postcodes AB10, AB11, AB15 · A90
Common scenarios
What commercial mortgages typically funds in Aberdeen
Aberdeen FAQs
Common questions about commercial mortgages in Aberdeen
Are there fixed-rate commercial mortgages in Aberdeen?+
Yes — 2, 3, 5 and 10-year fixes are available depending on lender. Variable rates remain common for shorter holds.
Do you handle semi-commercial?+
Yes — semi-commercial is one of our most common transaction types in Aberdeen and across the Scottish central belt.
Can I borrow against a half-built commercial property?+
That's typically a development bridge or development finance rather than a commercial mortgage. We arrange both, then refinance onto term commercial once practical completion is reached.
Will Brexit or interest-rate changes affect my deal?+
Macro conditions affect pricing, not appetite. We'll talk through prevailing market rates honestly before you commit.
What rates apply to Aberdeen commercial mortgages?+
Pricing varies with LTV, covenant, term and lender type — from competitive bank pricing on prime stock to specialist pricing for non-standard deals. We'll benchmark before you commit.
Will the bank value the property low?+
Downvaluations happen. We pre-screen with lenders likely to instruct local Aberdeen City valuers familiar with Aberdeen comparables to reduce that risk.
Nearby areas we cover
Commercial mortgages across the Aberdeen City area
We arrange commercial loans for clients across Aberdeen and the surrounding towns, typically within a short drive of the A90 corridor.
A direct line to Floyd
No phone trees, no triage. You speak to the person arranging your deal.
In summary
Next steps for Aberdeen
Finance arrangements move on detail — security, structure, exit, covenant. A page like this can only set the scene. If you have a live Aberdeen requirement, the fastest path forward is a short conversation. We'll give you a candid view and, if it fits, indicative terms inside 24 hours.