Commercial mortgages for Inverness Property & Business
Office, warehouse, retail or mixed-use — we arrange commercial mortgages on every property type relevant to Inverness. Investment loans typically 65–75% LTV, owner-occupied often higher, with both fixed and variable structures available.
Common scenarios
What commercial mortgages typically funds in Inverness
Local context
Why Inverness is a market we know
Geographically, Inverness sits in Highland (Scotland), connected by the A9 and with the IV1, IV2, IV3 postcode footprint covering most of the urban core. Rural, lower-density and seasonal — hospitality, holiday-let conversions and lifestyle businesses set the tone. Lenders willing to consider non-standard security and tourism-led income are essential here.
Tell us about your Inverness deal
A 5-minute conversation gets indicative terms back within 24 hours.
Structures we arrange
Commercial Loans options for Inverness
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.
Inverness FAQs
Common questions about commercial mortgages in Inverness
What about commercial in conservation areas?+
Lender comfort varies; usable comparables and planning consents matter. We choose lenders comfortable with the asset type.
Can charities or trusts borrow?+
Yes — specialist lenders cover charity, trust and not-for-profit lending. Pricing and structure differ from mainstream commercial.
What about lease length?+
Short unexpired leases compress LTV and shorten loan term. Long FRI leases support full leverage. We'll talk through your lease profile early.
Do you arrange commercial in Aberdeen?+
Yes — Aberdeen (105 miles from Inverness) sits inside our normal coverage, as does the broader Highland market.
What is a portfolio mortgage?+
A single facility covering multiple properties — often cheaper than individual mortgages, and more flexible when adding or selling stock.
What if my deal sits below £150k?+
Some lenders go lower, but pricing is rarely attractive. We'll be honest if your deal is too small for sensible commercial lending and suggest alternatives.
In summary
Next steps for Inverness
Most Inverness clients tell us afterwards that the difference was the directness — knowing inside an hour whether their deal would fly, and with whom. That's what 30+ years arranging commercial loans buys. Reach out when you have something concrete to discuss.