CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Kirkwall 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 Kirkwall commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Orkney capital with St Magnus Cathedral. Strong cruise tourism. Growing renewable energy.”
, CMB Market Analysis
Kirkwall town centre conservation; harbour and pier improvements; Orkney Research Campus; EMEC (European Marine Energy Centre); Pickaquoy Centre; St Magnus heritage investment
Three core debt structures cover the majority of Kirkwall 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 Kirkwall. 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 Kirkwall fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
Kirkwall presents development opportunities linked to Kirkwall town centre conservation. Growing demand from the Renewable Energy (marine) 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 island properties.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Kirkwall and the wider Scotland region, from commercial property purchases to development and refurbishment projects.
Commercial property news for Kirkwall 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 Kirkwall and surrounding areas. View larger map