Commercial and property finance in Perth, Perthshire and Stirling

Perthshire and Stirling are where the central belt turns into the Highlands, and the finance follows the geography. South of Perth and around Stirling, Bridge of Allan and Dunblane it is commuter-belt commercial property: offices, trade counters, retail and the industrial estates at Broxden, Inveralmond and Bandeath. North of the Tay, up the A9 through Dunkeld, Pitlochry and Blair Atholl and west through Crieff, Comrie and Aberfeldy, it is tourism and land: hotels, guest houses, self-catering, distillery visitor trade, farms diversifying into accommodation. Commercial mortgages from £75k across all of it, development finance to convert steadings and mills into holiday lets, asset finance for farm and forestry machinery, and business lending for the area’s trades and professional firms.

The mixed case is the Perthshire case. A hotel with fifteen acres. A farm with three holiday cottages and a wedding barn. A garage with a house and a paddock. Lenders who value the trading business but not the land, or the land but not the business, leave money on the table, and the job is finding the one who values both parts properly.

Tourism businesses on the A9 and in the Trossachs

The A9 corridor and the Trossachs, from Callander and Aberfoyle round to Killin and Crianlarich, trade on the same seasonal pattern as the west coast but with a longer shoulder, thanks to the Edinburgh and Glasgow day-trip market. Lenders read that pattern well when it is shown on full-year figures: occupancy and rate by month, the wet and dry split, the winter that is quiet rather than closed. Guest houses and B&Bs where the owners live on site can still be a commercial mortgage when the business is the point of the building, and we cover where that line falls on our guest house and B&B finance page. Established holiday cottage and self-catering businesses with an owner’s house on site are a Perthshire staple and fund well on the trading valuation when the figures are honest. Sites adding pods, lodges or pitches around Loch Tay, Loch Earn and the national park edge are covered on the holiday park, campsite and glamping finance page.

Farm diversification and rural lending

Agricultural land is conservative, well-liked security, and Perthshire farms borrow against it to fund accommodation, farm shops, event space and renewable installations. Lenders assess the diversification on the projected income and the delivery plan rather than the existing farm accounts alone, at loan-to-values that stay sensible because the land underneath holds its value (indicative). Machinery, from tractors and combines to timber harvesters for the Highland Perthshire forestry trade, goes on asset finance rather than against the land, which keeps the property borrowing clean for when it is needed. Our agriculture and rural page covers the sector.