Commercial mortgages on semi-commercial property in Scotland
Facts checked 7 September 2026
Panel figures from our September 2026 lender-platform extract, available products only.
Lenders that accept this
29
Accept semi-commercial property at all
41
Of the 41 lender brands on our commercial mortgages panel that will consider semi-commercial property, 29 still will once the property is in Scotland. The other 12 will not, on the criteria they published when we pulled the panel in September 2026. That gap is the reason this page exists: the two conditions are usually asked about separately, and it is the combination that decides where a case can go.
The lenders that accept it
Named because panel composition is a fact rather than a recommendation. Inclusion is not an endorsement, the list is not the whole market, and every one of them applies its own checks before it offers anything.
Aldermore, Allica Bank, Alternative Bridging Corporation, Arbuthnot Latham, Atom Bank, Barclays, Cambridge and Counties Bank, Charity Bank, Cynergy Bank, Eastern Credit, Ecology Building Society, Folk 2 Folk, Foundation, Glenhawk, HSBC, Hampshire Trust Bank, Lloyds, NatWest, OakNorth Bank, Ortus Secured Finance, Redwood Bank, Roma Finance, Shawbrook Bank, TAB, Together, Triodos, Unity Trust Bank, West One, Westwood Capital.
288 live products across 29 lender brands, checked September 2026. Panel composition changes over time.
What to have ready
Because the property is in Scotland, the lenders above will want that evidenced at the start rather than discovered at valuation. Sending a case to a lender that does not accept the combination costs a search on the file and a fortnight, which is the expensive part of getting this wrong. We arrange the case to the lenders whose published criteria it actually fits, and we tell you which ones those are before anything is submitted.
Check your case against these 29 lenders
One enquiry, and we say which of them your figures fit and which would decline, before anything goes in.
Frequently asked questions
Related criteria
- commercial mortgages on fully commercial property in Scotland (28 lenders)
- buy-to-let mortgages on an HMO in Scotland (16 lenders)
- buy-to-let mortgages on a holiday let in Scotland (10 lenders)
- asset finance on machinery over ten years old in Scotland (11 lenders)
- buy-to-let mortgages on a multi-unit freehold block in Scotland (14 lenders)
- commercial mortgages on semi-commercial property in Northern Ireland (11 lenders)
Important information
CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender, and we do not provide financial, tax or legal advice. We work with a panel of lenders whose particulars are available on request. If a deal completes the lender pays us a commission, at no cost to you; different lenders pay different amounts under different models, and we will tell you the amount for your deal on request. All lending is subject to status, valuation where applicable and the lender's own checks.
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing other debts against your home or property.
Registered office: Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT. Company No. 14433858.