Oban, Scotland

Commercial Mortgages in Oban

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

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£145
Avg Price/sq ft
5.5%
Average Yield
+14.5%
5yr Price Growth
+11%
5yr Rental Growth

Why Choose CMB in Oban

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:Oban Town CentreOban BayDunollieSorobaLorn

Oban Local Market Intelligence

Gateway to the Isles. Strong tourism and ferry traffic. Premium seafood industry.

— CMB Market Analysis

Key Industries

  • Tourism & Hospitality
  • Ferry Operations (CalMac)
  • Seafood & Fishing
  • Whisky (Oban Distillery)
  • Retail

Transport Links

  • ScotRail West Highland Line to Glasgow (3 hrs)
  • A85 to Crianlarich/Perth
  • CalMac ferries to Hebridean islands
  • Oban Airport (seasonal)

Regeneration

Oban town centre improvement; harbour and ferry terminal investment; McCaig's Tower access; Dunbeg growth area; North Pier; Lorn Arc economic development; Oban distillery heritage

Oban Commercial Property Market Data

Commercial Property Values in Oban

Property TypePrime / Grade ASecondaryMarket Range
Office£19 psf£7 psf£7 - £19 psf
Retail / Shop£22 psf£18 psf£18 - £22 psf
Industrial£6 psf£5 psf£5 - £6 psf

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

Investment Yields in Oban

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

Oban Market Trends

Office Vacancy
Falling
Industrial Demand
Moderate
Retail Footfall
Declining
Residential Investment
Strong
Dominant sector:Hospitality & Tourism

Oban benefits from growing private investor interest, particularly in hospitality & tourism opportunities.

Recent Commercial Property Transactions in Oban

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

OfficeQ1 2026

Grade B office building, Oban Bay

2,344 sq ft
£18,000 - £20,000
£8 psf8% yield
RetailQ4 2025

Ground floor shop with A1 use, Oban Bay

2,732 sq ft
£65,000 - £72,000
£25 psf7.6% yield
IndustrialQ3 2025

Industrial workshop with office, Oban Bay

45,008 sq ft
£299,000 - £331,000
£7 psf6.9% yield
Pub/RestaurantQ1 2026

Town centre restaurant premises, Oban Bay

£210,000 - £235,000
9.54% yield
HotelQ4 2025

88-room hotel with bar and restaurant, Oban Bay

88 rooms
£4,615,000 - £5,100,000
7.1% yield

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

Our Services in Oban

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 Oban. 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 Oban for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 5.5% across the local market
  • 14.5% property price growth over the past five years
  • 11% rental growth over five years supporting income returns
  • Strong occupier demand from Tourism & Hospitality and Ferry Operations (CalMac) sectors
  • Excellent transport connectivity including ScotRail West Highland Line to Glasgow (3 hrs)
  • Active regeneration programmes driving future capital growth

Development Opportunities

Oban presents development opportunities linked to Oban town centre improvement. Growing demand from the Tourism & Hospitality 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

Good appetite for tourism sector.

Property Types We Finance

Retail UnitsHigh Street ShopsShopping CentresMixed-Use DevelopmentResidential Development

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

Why Invest in Oban

Oban is the 'Gateway to the Isles', a key ferry port on Scotland's west coast with services to Mull, Iona, Colonsay, Coll, Tiree, and other Hebridean islands. The commercial property market benefits from strong demand across Tourism & Hospitality, Ferry Operations (CalMac), Seafood & Fishing sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 5.5% and 14.5% price growth over five years, Oban offers compelling returns for commercial property investors. Excellent connectivity via ScotRail West Highland Line to Glasgow (3 hrs) supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Oban town centre improvement, 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

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

Planning Context

Planning policy in Oban is set by Scotland council through its adopted local plan. The authority supports commercial investment and has allocated sites for employment and mixed-use development. Pre-application advice is available and recommended for larger schemes to navigate local requirements efficiently.

Latest Commercial Property News in Oban

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

Oban Commercial Mortgage Calculator

Pre-populated with local market data

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

Oban Location

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

Oban Commercial Property FAQ

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

Office rents in Oban range from approximately £7 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 £11 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Oban?

Investment yields in Oban vary by property type and grade. Current indicative yields are: offices at 6.77%-7.57%, retail at 7.12%-8.24%, industrial at 6.4%-7.24%. 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 Oban?

Oban's commercial property market includes offices, retail units, industrial premises, hotels and guest houses, pubs and restaurants. 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 Oban project?

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