Perth, Scotland

Commercial Mortgages in Perth

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

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£120
Avg Price/sq ft
5.5%
Average Yield
+13%
5yr Price Growth
+10%
5yr Rental Growth

Why Choose CMB in Perth

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:Perth City CentreBridgendMuirtonSconeAlmondbank

Perth Local Market Intelligence

Fair City with strong agricultural hinterland. Major insurance employers. Gateway to Highlands.

— CMB Market Analysis

Key Industries

  • Food & Drink
  • Tourism & Heritage
  • Professional Services
  • Retail
  • Insurance (General Accident/Aviva heritage)

Transport Links

  • ScotRail to Edinburgh (60 mins)/Glasgow/Inverness/Aberdeen
  • M90 to Edinburgh
  • A9 to Inverness/Stirling
  • A93 to Braemar/Balmoral

Regeneration

Perth city centre regeneration; Perth Museum (Stone of Destiny); Perth West housing (3,000 homes); City Hall and market area; Thimblerow; Bertha Park housing; Perth Eco Innovation Park

Perth Commercial Property Market Data

Commercial Property Values in Perth

Property TypePrime / Grade ASecondaryMarket Range
Office£19 psf£12 psf£12 - £19 psf
Retail / Shop£20 psf£13 psf£13 - £20 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 Perth

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

Perth Market Trends

Office Vacancy
Rising
Industrial Demand
Strong
Retail Footfall
Stable
Residential Investment
Weak
Dominant sector:Office & Professional Services

Investor appetite for Perth commercial property remains steady, with office & professional services assets attracting the most interest.

Recent Commercial Property Transactions in Perth

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

OfficeQ4 2025

Refurbished office space, Muirton

7,958 sq ft
£106,000 - £117,000
£14 psf9.3% yield
RetailQ1 2026

High street retail unit, Almondbank

4,960 sq ft
£66,000 - £73,000
£14 psf8% yield
IndustrialQ4 2025

Self-contained industrial premises, Bridgend

41,216 sq ft
£157,000 - £173,000
£4 psf5.5% yield
HotelQ3 2025

50-room boutique hotel, Perth City Centre

50 rooms
£2,955,000 - £3,265,000
7.1% yield
Mixed-UseQ4 2025

Retail unit with 2 flats above, Bridgend

2,534 sq ft
£323,000 - £357,000
£134 psf7.1% yield
Pub/RestaurantQ1 2026

Freehold pub with letting rooms, Almondbank

£290,000 - £320,000
8.66% yield
Residential BlockQ1 2026

7-unit converted residential building, Scone

7 units
£665,000 - £735,000
6.8% yield

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

Our Services in Perth

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 Perth. 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 Perth for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 5.5% across the local market
  • 13% property price growth over the past five years
  • 10% rental growth over five years supporting income returns
  • Strong occupier demand from Food & Drink and Tourism & Heritage sectors
  • Excellent transport connectivity including ScotRail to Edinburgh (60 mins)/Glasgow/Inverness/Aberdeen
  • Active regeneration programmes driving future capital growth

Development Opportunities

Perth presents development opportunities linked to Perth city centre regeneration. Growing demand from the Food & Drink 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 quality properties.

Property Types We Finance

Restaurant/Café UnitsFood Production UnitsOffice SpaceServiced OfficesRetail UnitsHigh Street ShopsShopping Centres

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

Why Invest in Perth

Perth is Scotland's newest city (status restored in 2012), a beautiful settlement at the tidal limit of the River Tay surrounded by Perthshire's stunning landscape. The commercial property market benefits from strong demand across Food & Drink, Tourism & Heritage, Professional Services sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 5.5% and 13% price growth over five years, Perth offers compelling returns for commercial property investors. Excellent connectivity via ScotRail to Edinburgh (60 mins)/Glasgow/Inverness/Aberdeen supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Perth city 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

Perth's commercial property landscape has been shaped by Perth city centre regeneration. Growth in the Food & Drink 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 Perth 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 Perth

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

Perth Commercial Mortgage Calculator

Pre-populated with local market data

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

Perth Location

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

Perth Commercial Property FAQ

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

Office rents in Perth range from approximately £12 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 £15 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Perth?

Investment yields in Perth vary by property type and grade. Current indicative yields are: offices at 6.78%-8.84%, retail at 7.64%-10.91%, industrial at 5.68%-7.54%, residential single-let at 7.15%. 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 Perth?

Perth's commercial property market includes offices, retail units, industrial premises, residential investment blocks, 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.

How much does a residential investment block cost in Perth?

Residential investment blocks in Perth typically trade at around £95,800 per unit, or approximately £183 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 7.15%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.

Ready to discuss your Perth project?

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