Hawick, Scotland

Commercial Mortgages & Property Finance 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 town hosts the annual Common Riding, one of Scotland's most spectacular equestrian festivals. Its remote Teviotdale location creates a self-contained economy, though the proposed Borders Railway extension could transform connectivity.

Hawick Town CentreBurnfootStirchesWiltonWeensland
£55
Avg Price/sq ft
7.5%
Average Yield
+9.5%
5yr Price Growth
+7.5%
5yr Rental Growth

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

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

Led by Matt Lenzie, ex-Lloyds Bank & Bank of Scotland, with direct lender relationships across Scotland. LinkedIn

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.

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