Scotland
Commercial Mortgages in Scotland
We arrange commercial mortgages and business property finance across Scotland, for owner-occupiers buying their premises and for investors buying commercial property. As a whole-of-market broker, we can look across lenders to find options that fit the business and the property.
What we can help with
- Owner-occupied commercial property purchase and refinance
- Commercial investment property
- Mixed-use property
- Development finance
- Business finance and working capital
- Healthcare practice finance
Scottish points to be aware of
- Commercial and mixed-use purchases normally pay non-residential LBTT, which has lower rates than residential LBTT. The Additional Dwelling Supplement does not apply to commercial property.
- Commercial lending is typically secured by a standard security over the property, and sometimes other security as well. Your Scottish solicitor will advise on the documents.
- Energy performance requirements can apply to non-domestic buildings when they are sold or let.
Healthcare practices
NHS dental, GP and pharmacy practices in Scotland operate under NHS Scotland health board contracts, and our standard 85%–100% LTV goodwill criteria fully apply.
Important Regulatory Notice
Acorn.finance is a credit broker authorised and regulated by the FCA (#660207), not a lender. The information on this page is for guidance only; specific terms, rates and approvals are subject to full underwriting and credit approval by the respective finance provider.
We do not provide legal or tax advice. Always seek independent professional advice before entering into any property finance transaction.
This page is a general overview for information only and is not legal or tax advice. Scottish property law and tax rules can change, so please speak to a Scottish solicitor or tax adviser about your own circumstances. Tax figures are for the 2026/27 tax year. Last reviewed: 20 October 2026. Acorn.finance is FCA-regulated (firm reference number 660207).