Hawick, Scotland

Commercial Mortgages in Hawick

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Hawick and Scotland.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£55
Avg Price/sq ft
7.5%
Average Yield
+9.5%
5yr Price Growth
+7.5%
5yr Rental Growth

Investment Hotspot

7.5% average yield

Hawick stands out with above-average yields of 7.5%, making it one of the UK's most attractive commercial property markets for investors.

Why Choose CMB in Hawick

Direct relationships with executives and board members of the UK's leading 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

Areas we cover:Hawick Town CentreBurnfootStirchesWiltonWeensland

Hawick Local Market Intelligence

Famous textile town. Strong cashmere and knitwear industry. Borders heritage tourism.

— CMB Market Analysis

Key Industries

  • Cashmere & Textiles
  • Agriculture
  • Retail
  • Tourism
  • Manufacturing

Transport Links

  • A7 to Edinburgh (55 miles)/Carlisle (45 miles)
  • A698 to Kelso/Berwick
  • B6399 to Newcastleton
  • No direct rail (Borders Railway extension proposed)

Regeneration

Hawick town centre regeneration; textile heritage interpretation; former mill conversions; Galalaw business park; Tower Knowe; Borders Railway extension campaign; Heart of Hawick creative hub

Hawick Commercial Property Market Data

Commercial Property Values in Hawick

Property TypePrime / Grade ASecondaryMarket Range
Office£15 psf£6 psf£6 - £15 psf
Retail / Shop£27 psf£19 psf£19 - £27 psf
Industrial£5 psf£3 psf£3 - £5 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Hawick

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Hawick Market Trends

Office Vacancy
Stable
Industrial Demand
Strong
Retail Footfall
Stable
Residential Investment
Weak
Dominant sector:Industrial & Logistics

Hawick benefits from growing private investor interest, particularly in industrial & logistics opportunities.

Recent Commercial Property Transactions in Hawick

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ3 2025

Grade A office suite, Hawick Town Centre

12,830 sq ft
£158,000 - £175,000
£13 psf8% yield
RetailQ3 2025

Retail premises with storage, town centre

1,774 sq ft
£29,000 - £32,000
£17 psf7.7% yield
IndustrialQ3 2025

Manufacturing unit with loading, Weensland

7,520 sq ft
£21,000 - £24,000
£3 psf6.6% yield
HotelQ4 2025

21-room boutique hotel, Stirches

21 rooms
£795,000 - £880,000
7.7% yield

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

Our Services in Hawick

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment — tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions — decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects — structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

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 Hawick. 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 Profile

Why Hawick for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 7.5% across the local market
  • 9.5% property price growth over the past five years
  • 7.5% rental growth over five years supporting income returns
  • Strong occupier demand from Cashmere & Textiles and Agriculture sectors
  • Excellent transport connectivity including A7 to Edinburgh (55 miles)/Carlisle (45 miles)
  • Active regeneration programmes driving future capital growth

Development Opportunities

Hawick presents development opportunities linked to Hawick town centre regeneration. Growing demand from the Cashmere & Textiles sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.

Lender Appetite

Selective appetite. Textile sector understood.

Property Types We Finance

Agricultural BuildingsRural Commercial UnitsRetail UnitsHigh Street ShopsShopping CentresHotelsLeisure PropertiesHoliday Lets

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Hawick and the wider Scotland region, from commercial property purchases to rural commercial conversions.

Why Invest in Hawick

Hawick is a Scottish Borders town famous for its cashmere and knitwear industry, with brands like Hawick Cashmere and Lyle & Scott still manufacturing here. The commercial property market benefits from strong demand across Cashmere & Textiles, Agriculture, Retail sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 7.5% and 9.5% price growth over five years, Hawick offers compelling returns for commercial property investors. Excellent connectivity via A7 to Edinburgh (55 miles)/Carlisle (45 miles) supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Hawick town centre regeneration, further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Distinct legal framework for property transactions requires specialist Scottish conveyancing expertise. Business rates policies differ from England, and some lenders apply Scottish property restrictions.

Notable Developments

Hawick's commercial property landscape has been shaped by Hawick town centre regeneration. Growth in the Cashmere & Textiles sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

The local planning authority for Hawick operates within Scotland, with policies that support sustainable commercial development and town centre vitality. The local plan identifies key development sites and employment areas, and the council has demonstrated a pragmatic approach to commercial property applications.

Latest Commercial Property News in Hawick

Commercial property news for Hawick will appear here once available. Check back soon for the latest market updates.

Hawick Commercial Mortgage Calculator

Pre-populated with local market data

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Interest-only estimate. Actual terms subject to lender assessment.

Hawick Location

Commercial mortgage services available across Hawick and surrounding areas. View larger map

Hawick Commercial Property FAQ

What is the average office rent per square foot in Hawick?

Office rents in Hawick range from approximately £6 per square foot for secondary space up to £15 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £10 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Hawick?

Investment yields in Hawick vary by property type and grade. Current indicative yields are: offices at 6.61%-8.04%, retail at 7.91%-9.9%, industrial at 6.97%-7.6%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Hawick?

Hawick's commercial property market includes offices, retail units, industrial premises, hotels and guest houses. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

Ready to discuss your Hawick project?

Speak with our specialist team today and get a decision in principle within 48 hours.