CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Elgin and Scotland. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
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 Elgin commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Moray capital. Famous whisky distilleries. Historic cathedral ruins.”
, CMB Market Analysis
Elgin town centre improvement; BID scheme investment; Elgin Cathedral heritage; former barrack site; Moray Sports Centre; housing growth at Findrassie; Bilbohall development
Three core debt structures cover the majority of Elgin 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 Elgin. 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 Elgin fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Elgin presents development opportunities linked to Elgin town centre improvement. Growing demand from the Whisky Distilling (Speyside) sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Good appetite for whisky and tourism.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Elgin and the wider Scotland region, from commercial property purchases to development and refurbishment projects.
Commercial property news for Elgin 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 Elgin and surrounding areas. View larger map