Perth, Scotland

Commercial Mortgages & Property Finance 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. Known as the 'Gateway to the Highlands', Perth has a thriving food and drink economy, the Perth Concert Hall, and the recently opened Perth Museum (home to the Stone of Destiny). The city offers a quality of life that ranks among Scotland's best.

Perth City CentreBridgendMuirtonSconeAlmondbank
£120
Avg Price/sq ft
5.5%
Average Yield
+13%
5yr Price Growth
+10%
5yr Rental Growth

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

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

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

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.

Calculate Your Finance Costs

Use our interactive calculators for instant estimates