Commercial Finance & Bridging Loan Solicitors
We act for borrowers and purchasers on commercial and real estate finance transactions throughout Scotland - from specialist lender deals to bridging finance for auction purchases.
Borrower-side legal advice for specialist lending
ClearFocus Legal acts for borrowers and purchasers on commercial and real estate finance transactions throughout Scotland. Whether you are purchasing residential investment property, acquiring commercial premises, refinancing an existing portfolio, or buying at auction with bridging finance, we provide clear and practical legal advice at every stage.
We understand that specialist lending transactions move quickly and require a solicitor who knows how these deals work. Our team has hands-on experience acting for borrowers on finance from high street banks, challenger banks, specialist commercial lenders, and bridging finance providers. We handle the conveyancing, title examination, security documentation, and settlement - keeping you informed throughout and working to the timescales your transaction demands.
Based in Glasgow and acting across Scotland, we are on the approved panel for a number of specialist lenders, including Together Commercial Finance, where we are able to act in dual representation for both borrower and lender on qualifying commercial finance transactions.
Acting for borrowers, at the pace your deal demands
When you borrow from a specialist or commercial lender rather than a traditional high street bank, the legal process has some important differences. The loan documentation is often more detailed, settlement timescales are tighter, and the lender's requirements for title and security can be more prescriptive.
We handle the full legal process on your behalf, including:
- Reviewing and advising on your loan offer and conditions
- Examining title to the property
- Preparing the standard security and other security documentation
- Liaising with the lender's legal team (or acting in dual representation)
- Searches, anti-money laundering and regulatory compliance
- Managing settlement so funds draw down on time
We act exclusively for you as the borrower. Our duty is to protect your interests and ensure you understand the terms of your loan and security before you commit.
What dual representation means - and how it benefits you
In most lending transactions in Scotland, the borrower and lender each instruct their own solicitor - and the borrower pays both sets of legal fees. Dual representation is an alternative where a single solicitor acts for both parties on the same transaction, permitted under Law Society of Scotland rules where there is no conflict of interest and both parties consent.
ClearFocus Legal is on the approved panel for Together Commercial Finance and is authorised to act in dual representation on their qualifying commercial finance transactions in Scotland. This applies to unregulated loans secured against residential property.
One set of fees
Rather than two - meaningful cost savings on the legal side.
Faster transactions
No correspondence between two separate firms.
Single point of contact
One solicitor managing the entire legal side of the deal.
Short-term secured lending, handled at speed
Bridging loans are short-term secured lending used to fund property purchases or refinance existing holdings where speed is essential or where traditional mortgage finance is not available. Common scenarios include purchasing at auction (28-day completion), acquiring property that requires refurbishment, funding a purchase before a sale completes, and refinancing an existing bridging facility.
Bridging transactions require a solicitor who can work quickly and accurately. The lender will typically require a full title examination, standard security, and confirmation that all conditions have been satisfied - often within days rather than weeks. ClearFocus Legal has experience acting for borrowers on bridging finance across Scotland, for both residential and commercial property.
From bridging to long-term - or switching lenders
Whether you are refinancing from a bridging loan to longer-term finance, switching lenders on a commercial mortgage, or remortgaging residential investment property, we can act on the legal side of the transaction. This includes reviewing the new loan terms, preparing the discharge of the existing security, granting the new standard security, and attending to registration. For portfolio landlords, we can manage the process efficiently across your holdings.
What we handle
Residential investment
Purchases funded by specialist or commercial lending.
Commercial property
Acquisitions of commercial premises with finance.
Portfolio purchases
Multiple properties in a single transaction.
Auction purchases
Bridging-funded purchases with tight completion dates.
Refinance & remortgage
Bridging to buy-to-let, commercial mortgage switches.
Limited company & SPV
Purchases by companies using commercial finance.
We act for individual investors, portfolio landlords, limited companies, and SPV structures.
Placing a case in Scotland?
If you are a mortgage broker or finance intermediary placing a case with a specialist lender, we are happy to work with you and your client. We are experienced in the documentation and procedures used by the major specialist and commercial lenders active in Scotland and understand the importance of meeting your client's loan offer timescales. For Together Commercial Finance, we can act in dual representation. To check whether we are on panel for a particular lender, email commercial@clearfocuslegal.com.
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