CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Ayr and Scotland. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Ayr commercial property delivers 6.5% average yield.
Ayr yields sit above the UK commercial average, supporting income-driven debt structures and SPV-led acquisitions.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
The factors lenders weigh when assessing Ayr commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Ayrshire's principal town. Strong tourism with beaches and Burns Country. Prestwick Airport potential.”
, CMB Market Analysis
Ayr town centre regeneration; riverside and harbour area; Low Green and seafront improvement; Ayr Academy campus; Heathfield retail park; Burns Heritage Park; Prestwick Airport economic zone
Three core debt structures cover the majority of Ayr commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Ayr. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileWhat makes Ayr fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Ayr presents development opportunities linked to Ayr town centre regeneration. Growing demand from the Tourism & Heritage (Burns Country) sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Selective appetite for quality properties.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Ayr and the wider Scotland region, from commercial property purchases to retail unit purchases.
Commercial property news for Ayr will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Scotland.
Commercial mortgage services available across Ayr and surrounding areas. View larger map