St Ives, Cornwall

Commercial Mortgages & Property Finance in St Ives

St Ives is one of Britain's most celebrated coastal towns, home to Tate St Ives and a thriving artist colony dating back to the 1880s. The town's commercial property market commands premium Cornwall prices, driven by year-round tourism, world-class galleries, and a vibrant hospitality sector. Holiday let yields are among the highest in the South West.

St Ives Town CentreTate St IvesPorthmeor BeachCarbis BayLelant
£390
Avg Price/sq ft
5%
Average Yield
+26%
5yr Price Growth
+19.5%
5yr Rental Growth

St Ives Local Market Intelligence

Tate St Ives. Barbara Hepworth Museum. UK's premier art town.

— CMB Market Analysis

Key Industries

  • Art & Galleries
  • Tourism & Hospitality
  • Holiday Lettings
  • Surfing & Marine Activities
  • Artisan Crafts

Transport Links

  • St Ives Bay branch line to St Erth/GWR Main Line
  • A3074 to A30 (4 miles)
  • St Ives Harbour
  • Park and Ride from Lelant

Regeneration

Tate St Ives expansion (completed 2017); harbour and waterfront conservation; sustainable transport improvements; limited development due to AONB and conservation area constraints

Commercial Mortgages in St Ives

Whether you're acquiring office space, retail units, or industrial property in St Ives, 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 St Ives 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 St Ives

When speed matters for your St Ives 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 St Ives

For developers building in St Ives, 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 St Ives for Commercial Property Investment

Lender Appetite

Very strong appetite for art and tourism.

Latest Commercial Property News in St Ives

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

Calculate Your St Ives Property Finance

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