Oban, Mull, Islay, Bute, Kintyre and the west coast: a market of hotels, guest houses, marine businesses and holiday lets that many lenders decline sight unseen because of the postcode. They are wrong, and we know which lenders agree.
Local angles that shape deals here: island and remote mainland security narrows the lender field sharply, so a deal that dies at one lender completes comfortably at another; ferry-dependent logistics, higher operating costs and short seasons need explaining in the pack, not hiding; strong lifestyle-destination trading businesses on the tourist routes attract genuine specialist appetite; this is our home market: we own and operate a hospitality business here and borrow against west coast property ourselves.
Hotels, guest houses and holiday accommodation are the flagship of what we arrange, and we run one ourselves. Hospitality finance
Missives, standard securities, LBTT and which lenders actually lend here. The Scotland guide
If a lender has told you no because of your postcode, send us the deal.