Irvine, Scotland

Commercial Mortgages in Irvine

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

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£65
Avg Price/sq ft
7.2%
Average Yield
+10.5%
5yr Price Growth
+8.5%
5yr Rental Growth

Investment Hotspot

7.2% average yield

Irvine stands out with above-average yields of 7.2%, making it one of the UK's most attractive commercial property markets for investors.

Why Choose CMB in Irvine

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:Irvine Town CentreHarboursideRivergateVineburghGirdle Toll

Irvine Local Market Intelligence

New Town with strong employment base. Harbourside regeneration potential. Growing tech sector.

— CMB Market Analysis

Key Industries

  • Manufacturing
  • Retail
  • Healthcare
  • Tourism & Heritage
  • Technology

Transport Links

  • ScotRail to Glasgow (35 mins)
  • A78 to Largs/Greenock
  • A71 to Kilmarnock/Edinburgh
  • Irvine Harbour

Regeneration

Irvine town centre regeneration; Harbourside arts and residential quarter; Irvine Enterprise Area; Scottish Maritime Museum investment; beach park; Annick Water area

Irvine Commercial Property Market Data

Commercial Property Values in Irvine

Property TypePrime / Grade ASecondaryMarket Range
Office£19 psf£6 psf£6 - £19 psf
Retail / Shop£37 psf£12 psf£12 - £37 psf
Industrial£7 psf£4 psf£4 - £7 psf

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

Investment Yields in Irvine

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

Irvine Market Trends

Office Vacancy
Falling
Industrial Demand
Moderate
Retail Footfall
Declining
Residential Investment
Moderate
Dominant sector:Industrial & Logistics

Investor appetite for Irvine commercial property remains steady, with industrial & logistics assets attracting the most interest.

Recent Commercial Property Transactions in Irvine

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

OfficeQ1 2026

Serviced office premises, town centre

5,102 sq ft
£34,000 - £37,000
£7 psf9.6% yield
RetailQ4 2025

High street retail unit, Rivergate

4,258 sq ft
£57,000 - £63,000
£14 psf7.3% yield
IndustrialQ4 2025

Modern industrial unit, trade estate

34,016 sq ft
£97,000 - £107,000
£3 psf6.3% yield
Care HomeQ3 2025

50-bed residential care facility, Irvine Town Centre

50 beds
£2,600,000 - £2,875,000
8.5% yield
Mixed-UseQ3 2025

Retail unit with 2 flats above, Irvine Town Centre

5,576 sq ft
£583,000 - £644,000
£110 psf8.1% yield
HotelQ3 2025

63-room boutique hotel, Girdle Toll

63 rooms
£3,310,000 - £3,660,000
6.7% yield

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

Our Services in Irvine

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 Irvine. 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 Irvine for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 7.2% across the local market
  • 10.5% property price growth over the past five years
  • 8.5% rental growth over five years supporting income returns
  • Strong occupier demand from Manufacturing and Retail sectors
  • Excellent transport connectivity including ScotRail to Glasgow (35 mins)
  • Active regeneration programmes driving future capital growth

Development Opportunities

Irvine presents development opportunities linked to Irvine town centre regeneration. Growing demand from the Manufacturing 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 for industrial.

Property Types We Finance

Industrial UnitsFactory SpaceRetail UnitsHigh Street ShopsShopping CentresMedical/Dental PracticesCare HomesOffice Space

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Irvine and the wider Scotland region, from industrial unit purchases to retail unit purchases.

Why Invest in Irvine

Irvine is a North Ayrshire new town on the Clyde coast with a heritage as one of Scotland's oldest Royal Burghs. The commercial property market benefits from strong demand across Manufacturing, Retail, Healthcare sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 7.2% and 10.5% price growth over five years, Irvine offers compelling returns for commercial property investors. Excellent connectivity via ScotRail to Glasgow (35 mins) supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Irvine 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

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

Planning Context

Planning applications in Irvine are managed by Scotland council, which has adopted a pro-growth stance supporting commercial and mixed-use development. Local plan policies favour brownfield regeneration and town centre investment, with a streamlined approach to permitted development rights for office-to-residential conversions.

Latest Commercial Property News in Irvine

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

Irvine Commercial Mortgage Calculator

Pre-populated with local market data

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

Irvine Location

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

Irvine Commercial Property FAQ

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

Office rents in Irvine range from approximately £6 per square foot for secondary space up to £19 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 Irvine?

Investment yields in Irvine vary by property type and grade. Current indicative yields are: offices at 7.29%-9.15%, retail at 7.01%-8.56%, industrial at 6.14%-8.5%. 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 Irvine?

Irvine's commercial property market includes offices, retail units, industrial premises, care homes, 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.

What is the average price per bed for care homes in Irvine?

Care homes in Irvine typically trade at around £64,040 per registered bed. A typical 32-bed home would therefore be valued between £1.3m and £3.8m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.

Ready to discuss your Irvine project?

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