Commercial mortgages Edinburgh: buying and refinancing Edinburgh premises
Commercial mortgages in Edinburgh fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. This page sets out what is specific to Edinburgh: the local business figures, the public funding open to you and which lenders on our panel cover your postcode.
“A very professional and results-oriented approach to funding.”
- Enterprises (ONS 2026)
- 18,635
- Under 10 staff
- 85.8%
- Top sector: health and social care
- 15.2% of jobs
- Regional fund (BBB)
- IFS
- Property tax
- LBTT
- Legal system
- Scots law
On this page
Where commercial mortgages fits the Edinburgh economy
34.0% of employee jobs (2024) in City of Edinburgh sit in the premises-led sectors: hotels, restaurants and food service (9.8%), wholesale, retail and motor trades (9.0%) and health and social care (15.2%). Great Britain: 35.7% (Nomis labour market profile: City of Edinburgh).
| Sector | Edinburgh share | Edinburgh jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 9.8% | about 36,100 | 7.8% | 1.26 |
| Wholesale, retail and motor trades | 9.0% | about 33,100 | 13.7% | 0.66 |
| Health and social care | 15.2% | about 55,900 | 14.2% | 1.07 |
The ratio is highest for hotels, restaurants and food service, at 1.26. Hotels, pubs and restaurants that buy their freehold usually borrow against the trading business as well as the building; see hotel finance.
Against its nearest neighbours in our data, those sectors are 34.0% of Edinburgh jobs, compared with 32.8% in Glasgow and 38.0% in Newcastle.
Buying premises in Edinburgh: LBTT and standard securities
Buying premises in Edinburgh means Land and Buildings Transaction Tax (LBTT), collected by Revenue Scotland, not Stamp Duty. Non-residential rates are 0% up to £150,000, 1% from £150,001 to £250,000 and 5% above that. On a £650,000 unit the LBTT works out at £21,000, which the deposit and fees budget needs to cover. The lender's security is a standard security registered in the Land Register by Registers of Scotland, and the conveyancing needs a Scottish solicitor.
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Commercial mortgages near Edinburgh
Straight-line distances from Edinburgh:
- Commercial mortgages Newcastle (90 miles)
- Commercial mortgages Leeds (160 miles)
- Commercial mortgages Manchester (175 miles)
- Commercial mortgages Liverpool (175 miles)
Lenders on our panel that cover Edinburgh
Others do not lend to businesses based in EH postcodes, so we leave them out of an Edinburgh search: Nationwide Finance and Reparo Finance.
That leaves 8 of 10 commercial mortgage providers open to Edinburgh.
Free business support in Edinburgh
If you are moving or expanding, Business Gateway can point you to free advice and any local programmes for Edinburgh businesses taking on premises.
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Sources
Every figure above comes from one of these, checked on 18 October 2026. Lender coverage is from the criteria held for each lender on our panel.
We are a credit broker, not a lender. Fees depend on the lender, and there is nothing to pay upfront. This page is general information, not financial advice. Lenders set their own criteria, rates and terms, and all finance is subject to status.
Common questions
Do all lenders offer commercial mortgages to Edinburgh businesses?
No. 2 of the 10 commercial mortgage providers in our panel data exclude EH postcodes, so a direct application to one of them would be declined on location alone. We only approach lenders that lend at your postcode.
What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
Why businesses choose Smart Funding Solutions
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Our clients say
Trusted by UK businesses across every sector.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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