Image of high rise buildings

Coutts Commercial
Real Estate

With expertise and connections across the real estate spectrum, Coutts Commercial Real Estate bankers work closely with our in-house chartered surveyors to provide an exceptional service for your commercial property needs.

"Coutts Real Estate business is driven by a sector-skilled team with in-depth experience of structuring debt solutions for both commercial and residential investment transactions. In addition to financing standing assets, we also finance a wide range of residential development projects across London and the Home Counties. Supported by an in-house chartered surveyor, the team has a passion for the built environment and prides itself on driving the best outcome for our clients."


Experience and

Coutts dedicated Commercial Real Estate team was established in 2009 in response to increasing demand from Coutts clients looking to invest in commercial property. Our highly experienced team has a continuing reputation for providing flexible and intelligent banking services to the industry, and we pride ourselves on the continuity of our relationships and the highest quality of our service. The multi-cyclical experience and maturity of our team enables us to build enduring relationships with our clients, underpinned by an unsurpassed depth of understanding.

Coutts Commercial Real Estate experts take a highly proactive approach, expertly drawing on long-standing insight and extensive networks to help clients and their businesses move swiftly in the dynamic world of real estate.



With long-standing relationships with carefully selected professional surveying and property-specific legal firms, Coutts Commercial Real Estate provides a full relationship-managed service that caters for every aspect of your banking needs. Coutts Commercial Real Estate works with a range of clients – from institutional funds and corporate investors, family offices and private clients, to London estates and regional developers. 

The Coutts Commercial Real Estate team has extensive industry connections through which we pass invaluable information on to our clients to enhance their investments. Coutts is proud to work with the Association of Property Lenders, the Royal Institution of Chartered Surveyors and the Worshipful Company of Chartered Surveyors, and regularly attends the MIPIM property conference.


The Coutts Commercial Real Estate team provides comprehensive banking services for clients investing in commercial and residential property. Finance facilities are available for each stage of the property process: from development finance, which includes senior debt with capitalised interest to investment finance, which includes term loans and amortising or interest-only facilities for lower-geared assets.

As with all of our commercial banking offering, a fully comprehensive banking service is available that includes deposits, transmission and online capabilities.

Property Assets

An in-depth insight into clients’ assets and wider circumstances is key to supporting every aspect of your commercial property requirements. Development funding is considered according to the pre-sale or pre-let agreements, covenant strength, location, your own circumstances and the wider market. Asset quality, covenant strength, location and asset management are key to determining investment finance.


When looking at residential development funding, our Commercial Real Estate team will undertake a detailed review of the property, the market and your own circumstances, developmental experience and objectives. Investment funding will be assessed in line with asset quality and diversity, management ability, tenant strength and sustainability of cash flow.

Over 18s only. All credit is subject to approval and affordability checks. Terms and conditions apply. Security may be required. Product fees may apply.
Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Image of Barry Williamson

Head of Commercial Real Estate, Coutts Commercial

Ross Ironside

Ross joined Coutts in 2022, bringing more than 15 years’ experience within Commercial and Corporate banking. He has in-depth knowledge of the Real Estate sector and leads a team of 15 market facing specialists who focus on creating long-term client relationships built on trust and understanding.


Become a Client

When you become a client of Coutts, you will be part of an exclusive network.