Specialist business mortgage broker for companies across Perthshire and Kinross

The two halves of the area have different economies. In the south, agriculture plays an important part, including fruit, fodder, wheat and seed potatoes. In the scenic north, tourism matters most; the Forestry Commission controls large parts of the land and there are a number of hydroelectric dams. Loch Tay and Loch Earn sit in glacial valleys, and the River Tay, Scotland's longest, flows from Loch Tay through Perth to the Firth of Tay.

That shapes the property bought. In the north, hotels, guest houses, restaurants, outdoor activity centres and visitor shops. In the south, agricultural engineers, produce businesses, farm shops, trade suppliers and hauliers. In Perth itself, offices, shops and industrial units. Hotels and similar trading businesses are priced at indicative rates of 7.0 to 9.0% a year, subject to status, accounts and valuation, against 6.0 to 7.5% for a standard owner-occupier. Our business mortgages page explains the difference.

The main roads all meet near Perth. The M90 runs south to Edinburgh, the A9 runs south-west to Stirling and Glasgow and north to Inverness, the A85 heads west to Crieff and beyond, the A93 north to Blairgowrie and Braemar, and the A94 north-east to Coupar Angus and Forfar. Broxden Junction, where the M90, A9 and A93 meet, is one of the busiest junctions in Scotland and the only place where all seven Scottish cities are signposted.

For a lender, a building near those routes is generally easier to value and to re-let, which suits distribution, trade and service businesses. Remote Highland premises can still be funded, but the valuer will weigh access, seasonality and the pool of possible buyers, so a hospitality business there should expect careful scrutiny of its trading figures across the year. See our owner-occupier mortgages page for how lenders assess the case.

Lenders active in owner-occupier lending typically advance 70 to 75% of the price or valuation, whichever is lower, and up to 80% for strong cases. Indicative owner-occupier pricing is 6.0 to 7.5% a year, subject to status, accounts and valuation, with terms of 5 to 25 years and arrangement fees usually 1 to 2%.

The purchase is taxed under Land and Buildings Transaction Tax, collected by Revenue Scotland: 0% to £150,000, 1% from £150,001 to £250,000 and 5% above £250,000 for non-residential property (rates as at October 2026; check the current rates before you buy).

Illustrative example. A company buys a freehold hotel in Highland Perthshire for £700,000. A 75% loan is £525,000 and the deposit £175,000. LBTT is £23,500, so the business needs around £198,500 in cash before fees, and a lender may set a lower loan to value for a trading business. The stamp duty on commercial property guide has the bands in full.

Perth and Kinross Council is the planning authority for the whole area, and a lender's solicitor will want to see that the building's current use is lawful. The purchase is concluded by missives under Scots law, and the lender takes a standard security registered in the Land Register of Scotland, often backed by a personal guarantee from the directors.

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. The Scotland commercial mortgages page explains the national rules.