Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring. Our Glasgow-based commercial mortgage service connects you with specialist lenders who understand the Scotland commercial property market.
Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan. Whole-of-market access and ex-banker structuring.
Our Glasgow commercial mortgage team connects you with specialist lenders who have appetite for Scotland commercial properties, securing competitive terms through direct credit committee relationships.
Read our complete commercial remortgage guideMarket Insight: Glasgow holds a yield premium over Edinburgh while offering a deeper, more diverse occupier base. We see strong demand for Grade A offices in the International Financial Services District, where banks and professional firms cluster around the Broomielaw and Buchanan Wharf, and rising build-to-rent activity across the city centre. Pacific Quay anchors a media cluster led by BBC Scotland, while the West End and Finnieston sustain leisure and hospitality demand. Four universities feed a large student market. Owner-occupier terms sit around 6.0 to 7.5% pa and commercial investment around 6.5 to 8.5% pa in 2026.
Regeneration along the Clyde Waterfront continues to convert former docks and industrial land into offices, homes and leisure, with Barclays' Buchanan Wharf campus a landmark example. The Sighthill scheme is delivering large-scale housing and public realm north of the centre, one of the biggest regeneration projects in the UK.
High street banks including NatWest, Barclays, Lloyds and Santander lend on prime offices and mixed-use stock across the city centre, and challenger and specialist names, Allica Bank, Aldermore, Shawbrook, InterBay Commercial and Cynergy Bank, back leisure, workspace and value-add assets in the Merchant City and Finnieston. Build-to-rent and student housing draw specialist appetite. Lenders work through Scottish standard securities, and bridging lenders such as LendInvest fund quick acquisitions at roughly 8.5 to 11.0% pa.
Six to twelve weeks from formal application to drawdown is the typical range, with straightforward cases at the short end and complex structures taking longer. The valuation alone takes 2-4 weeks, legal title review another 3-5 weeks, and lender credit decisioning 1-3 weeks. We recommend starting the remortgage process at least six months before any fixed-rate end date, so the new facility is in place the day the existing one reverts to a higher variable rate.
Six months before the end of your current fixed-rate period is the optimal window. Earlier than that and the formal valuation may go stale; later than that and you risk paying reversion-rate interest during the gap. If your trigger is equity release rather than rate maturity, start as soon as you have a clear use of funds, the current valuation is the binding constraint and sets the timeline.
Almost always yes. Most lenders require a valuation no more than 3 months old at drawdown, and the valuation must be addressed to the new lender (existing lender valuations typically can't be transferred). Some lenders accept a desktop or drive-by valuation for low-LTV remortgages on standard residential investment property, but full RICS valuations are the norm for commercial.
Dedicated commercial remortgage specialists with deep knowledge of the Scotland market.
Access to 100+ specialist lenders including those with specific appetite for Glasgow.
Operating to the highest professional and ethical standards with full transparency on fees and lender recommendations.
Successfully arranged millions in property finance across Scotland and beyond.
Provider of non-regulated lending solutions. Your property may be repossessed if you do not keep up repayments on your mortgage.