The most competitive property market in Scotland, where closing dates and sealed bids decide who buys. Commercial mortgages from £100k, bridging that lets you bid like a cash buyer, development finance for conversions, and funding for the city’s professional and hospitality businesses.
Local angles that shape deals here: premium values mean strong lender appetite but bigger cheques, and sealed-bid competition makes deliverable finance at offer stage decisive; listed buildings and New Town heritage stock need lenders experienced with conservation constraints; the short-term let licensing regime and planning control area directly affect holiday let lending, so licensing evidence belongs in the application pack; hotel and hospitality trading businesses in the capital fund well on strong accounts.
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
An Edinburgh purchase or refinance? Send the basics before your closing date, not after.