Specialist Commercial Mortgage Broker in Edinburgh
CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Edinburgh and Scotland. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
Edinburgh commercial property finance, offices, retail and mixed-use assets
Edinburgh commercial property delivers 5.2% average yield with 28.5% five-year price growth.
Edinburgh has delivered above-average capital growth across the last five years, supporting development and refurb deal flow.
Edinburgh commercial mortgage brokers, ex-bankers with direct lender access
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Ex-Banking Background
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Board-Level Access
Direct relationships with lender decision-makers for faster approvals and better terms
£300M+ Track Record
Proven success arranging complex commercial property finance across the UK
Edinburgh commercial property market signals
The factors lenders weigh when assessing Edinburgh commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“UK's second financial centre. Festival economy drives hospitality demand. Constrained supply supporting premium values. Student market exceptionally strong.”
, CMB Market Analysis
Key Industries
- Financial Services
- Technology
- Tourism
- Higher Education
- Life Sciences
- Legal Services
Transport Links
- Waverley Station mainline
- Edinburgh Airport
- Tram network
- M8 motorway
Regeneration
St James Quarter complete; Edinburgh Park expansion; waterfront development
Edinburgh commercial districts and prime rents
Submarket-level prime rent benchmarks across Edinburgh's main commercial districts, the figures that shape valuations, lender comparables and target acquisition prices.
New Town
Premium Financial
Exchange District
Financial CBD
St James Quarter
Mixed Retail/Leisure
Edinburgh Park
Business Park
BioQuarter
Life Sciences
Edinburgh student housing and HMO finance
60,000+ students across 3 institutions drive sustained occupier demand for purpose-built student accommodation and licensed HMOs in Edinburgh.
Universities
3 institutions · 60,000 students
- University of Edinburgh
- Heriot-Watt University
- Edinburgh Napier University
HMO Hotspot Areas
HMO Licensing
Article 4 Not In EffectEdinburgh operates HMO licensing through Scottish system
Key Licensing Areas
Scottish HMO licensing different from England. 3-year licences. Strong professional and student demand. Premium values compress yields.
Edinburgh commercial mortgages, bridging loans and development finance
Three core debt structures cover the majority of Edinburgh commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.
Edinburgh commercial property finance by property type
Lender appetite, yield bands and debt structures vary materially by property type. Pick the briefing that matches your Edinburgh acquisition.
Office finance in Edinburgh
Office investment finance for headquarters buildings, business parks, multi-let suites and office-led mixed-use schemes.
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Industrial finance in Edinburgh
Industrial and logistics finance for big-box distribution, multi-let estates, last-mile urban logistics and trade counter parks.
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Retail finance in Edinburgh
Retail property finance for high street parades, retail warehousing, shopping centres and convenience-led mixed-use.
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Mixed-Use finance in Edinburgh
Finance for buildings combining commercial ground floors with residential upper floors, the dominant deal format in UK secondary markets and the engine of corporate-acquired property activity.
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Hotel finance in Edinburgh
Hotel property finance for trading boutique hotels, branded operator-let assets and aparthotel acquisitions.
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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 Edinburgh. 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 ProfileEdinburgh commercial property investment fundamentals
What makes Edinburgh fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Investment Highlights
- Scotland's capital
- World Heritage status
- Major financial centre
- Strong tourism economy
Development Opportunities
Waterfront, Edinburgh Park, and city centre infill offer development potential.
Lender Appetite
Very strong appetite for all quality assets. Premium location commands competitive terms.
Broker Notes
UK's second financial centre. St James Quarter £1bn transformation. Festival economy unique globally. BioQuarter expanding with £1bn investment. Scottish legal system considerations. Premium location with institutional appetite.
Property Types We Finance
Our team has strong relationships with Scottish lenders and extensive Edinburgh market experience.
Latest Commercial Property News in Edinburgh
Commercial property news for Edinburgh will appear here once available. Check back soon for the latest market updates.
Also Serving Across Scotland
We provide commercial mortgages, bridging finance, and development finance throughout Scotland.
Commercial Mortgage Brokers Across the UK
Edinburgh Location
Commercial mortgage services available across Edinburgh and surrounding areas. View larger map