Falmouth, Cornwall

Commercial Mortgages & Property Finance in Falmouth

Falmouth is Cornwall's principal port town and university town, home to Falmouth University and the National Maritime Museum Cornwall. The town has a vibrant creative economy, a natural deep-water harbour that attracts superyacht servicing, and a year-round tourism market that supports strong hospitality and retail property demand.

Falmouth Town CentreFalmouth DocksPendennisSwanpoolPenryn
£220
Avg Price/sq ft
5.5%
Average Yield
+21.5%
5yr Price Growth
+16%
5yr Rental Growth

Falmouth Local Market Intelligence

Major maritime town with university presence. Falmouth Harbour Trust developing commercial facilities. Strong sailing and superyacht sector.

— CMB Market Analysis

Key Industries

  • Maritime & Shipbuilding (A&P Falmouth)
  • Creative Arts & Design (Falmouth University)
  • Tourism & Hospitality
  • Technology
  • Retail

Transport Links

  • GWR branch line to Truro (25 mins)
  • A39 to Truro (11 miles)
  • Falmouth Harbour and docks
  • Ferry to St Mawes/Flushing

Regeneration

Falmouth University expansion and student accommodation; docks area redevelopment; Events Square enhancement; Maritime Heritage Trail; town centre public realm improvements

Commercial Mortgages in Falmouth

Whether you're acquiring office space, retail units, or industrial property in Falmouth, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across Cornwall, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Falmouth commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Falmouth

When speed matters for your Falmouth property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across Cornwall, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Falmouth

For developers building in Falmouth, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across Cornwall. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across Cornwall

Why Falmouth for Commercial Property Investment

Lender Appetite

Maritime and education sectors understood. Tourism seasonal.

Latest Commercial Property News in Falmouth

Commercial property news for Falmouth will appear here once available. Check back soon for the latest market updates.

Calculate Your Falmouth Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.