Specialist commercial mortgage broker for trading companies in Angus, Scotland

Angus divides into three. The mountainous north and west, including the Five Glens of Angus, is sparsely populated and given over to hill farming. Strathmore, the Great Valley in the middle, is fertile ground noted for potatoes, soft fruit and Aberdeen Angus cattle. The rolling hills of the south and east, such as the Sidlaws, run down to the sea and hold the larger towns.

That geography tells you what gets bought. In Strathmore it is grain and potato stores, packhouses, agricultural engineering workshops and farm supply depots. Along the coast it is food processing, marine services, light industrial units and the shops and offices of Arbroath, Montrose and Carnoustie. Around GSK in Montrose there is demand from suppliers and service firms. An owner-occupier mortgage covers all of these when the business occupies the building.

The Edinburgh to Aberdeen railway line runs along the coast through Dundee and the towns of Monifieth, Carnoustie, Arbroath and Montrose, and there is a small airport at Dundee. Coastal towns therefore have the best links for businesses whose staff or clients travel, while Strathmore and the glens rely on roads.

For a lender, location affects how easily a property could be re-let or sold. A workshop in a coastal town with rail and road access usually has a deeper pool of possible occupiers than a remote rural building. Rural premises are still fundable, but the valuer may take a cautious view, so a larger deposit can be needed. Seasonal businesses, such as soft fruit growers, should expect questions about cash flow through the year.

Typical terms are 70 to 75% loan to value, up to 80% for strong cases, over 5 to 25 years, at indicative rates of 6.0 to 7.5% a year for owner-occupiers, subject to status, accounts and valuation. Arrangement fees are usually 1 to 2%.

Angus purchases pay Land and Buildings Transaction Tax. Revenue Scotland's non-residential rates are 0% up to £150,000, 1% from £150,001 to £250,000 and 5% above £250,000 (rates as at October 2026; check the current rates before you buy). The return is due within 30 days.

Illustrative example. A potato merchant in Strathmore buys a freehold store and packhouse for £380,000. A 75% loan is £285,000 and the deposit £95,000. LBTT is £7,500, so the business needs about £102,500 of its own money before fees. Our deposits and costs guide builds the full figure.

Angus Council is the planning authority for the whole area, and the lender's solicitor will check its records to confirm the building's lawful use. The contract is formed by missives between the solicitors, binding once concluded, so the loan offer should be agreed first. The lender takes a standard security registered in the Land Register of Scotland. Angus also keeps its pre-1894 boundaries as a registration county, which your solicitor handles at registration.

Commercial lending to a limited company is unregulated and falls outside the FCA's regulated mortgage perimeter. Where a deal would be regulated, for example lending to a sole trader or individual, or a property where the borrower or a close family member will live in part of it, we refer it to an appropriately authorised firm. Our Scotland business mortgages page covers the national picture.