Building, construction and Real estate

Whether you’re looking to finance growth, manage risk or drive efficiencies, you need a bank that understands your business and helps you realise your ambitions. We can help you support your business’ needs in the UK and overseas.

While the overall outlook for the sector is uncertain, a few brighter areas include infrastructure, energy and private industrial construction. With this in mind, a clear strategy is vital to the success of our business. Our locally-based relationship directors offer banking regional awareness and sector specialisms that are critical to business success.

We make it our business to ensure that you have the right financial support, from trade and supply chain management to asset finance and access to capital markets.

Building materials

Dynamic shifts are commonplace in this globally significant industry. We provide knowledge and resources for clients to enable them to capitalise on opportunities and grow their business.

We understand that strategic objectives vary from business to business, so we focus on getting to know you and your business and how you like to operate. We know the building materials market and we can help you take advantage of the emerging market opportunities.


Construction is a major contributor to UK GDP and a driver of historical GDB growth. It’s also an important driver of growth for other sectors, without which there would be a loss of domestic production capacity and skills. We’re here to give you and your business the support you need to help generate and realise opportunities.

House building

The house building industry’s contribution to the economy is immeasurable and it’s a major driver of growth. With this in mind, our focus is on ensuring that, as one of our clients, you continue to receive the highest level of support from us and that we play a strategic part in guiding you through any financial and business challenges you face. We’ll help make sure you’re ready and able to take advantage of any opportunities that arise.

Real estate

Our dedicated team of property financing specialists are based across the UK and committed to supporting organisations within the commercial real estate sector. Our extensive experience means we can provide you with innovative and competitive financing for investment and development across all types of commercial property.

We deliver individual packages, from standard investment financing to more complex development and structured funding. Our specialist property teams across the country can make fast, informed decisions about your funding requirements. And we deliver what we promise.

Social housing

We’re a leading provider of banking services in the social housing sector. We’re committed to building long and lasting relationships with our clients and work closely with you to understand your individual needs. We have a dedicated social housing team that can provide support to help your organisation succeed.

We have a track record of providing financing and risk management solutions to support the development of affordable housing across the UK. The businesses we support play a key role in safeguarding economic stability. We’re proud to be part of their growth story.

Our people

Gordon Rate
Gordon Rate Head of Scotland – SME & Corporate Financial Markets

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Nick Laird
Nick Laird Regional Managing Director, Commercial Banking, Bank of Scotland

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Jane Clark-Hutchinson
Jane Clark-Hutchinson Regional Director, Mid Markets, Commercial Banking

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Tony Oakley
Tony Oakley Head of Social Housing, Mid Markets, Commercial Banking, Bank of Scotland

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Stuart White
Stuart White Regional Director, North of Scotland, Commercial Banking, Bank of Scotland

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Colin Walls
Colin Walls Head of Trading and Working Capital, Commercial Banking, Bank of Scotland

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Fraser Sime
Fraser Sime Director, SME Banking, Bank of Scotland

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Gillian Henderson
Gillian Henderson Commercial Director, Commercial Banking, Bank of Scotland

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Pete Flockhart
Pete Flockhart Regional Relationship Director, Commercial Banking

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Specialist teams

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Contact us

For more information, contact your local relationship director or use our online directory.