Barnstaple, Devon

Commercial Mortgages & Property Finance in Barnstaple

Barnstaple is North Devon's principal market town and one of England's oldest boroughs, with a pannier market dating back to the Saxon era. The town serves as the commercial and retail hub for a vast rural catchment stretching from Exmoor to the Taw-Torridge estuary, and its relative remoteness from the motorway network creates a self-contained economy with loyal local customer base.

Barnstaple Town CentreSeven BrethrenRoundswellBickingtonPilton
£165
Avg Price/sq ft
6%
Average Yield
+17.5%
5yr Price Growth
+13%
5yr Rental Growth

Barnstaple Local Market Intelligence

Regional centre for North Devon. Strong agricultural hinterland. Tourism based on North Devon coast.

— CMB Market Analysis

Key Industries

  • Retail & Market Town Services
  • Agriculture
  • Tourism
  • Healthcare (NDDH)
  • Manufacturing

Transport Links

  • Tarka Line rail to Exeter (65 mins)
  • A361 North Devon Link Road to M5 (40 miles)
  • A39 Atlantic Highway to Bideford/Bude
  • Barnstaple bus station hub

Regeneration

Seven Brethren mixed-use development; Barnstaple Civic Centre redevelopment; Anchorwood Bank riverside scheme; Brannam and Larkbear growth areas; Queen Street heritage improvements

Commercial Mortgages in Barnstaple

Whether you're acquiring office space, retail units, or industrial property in Barnstaple, 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 Devon, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Barnstaple 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 Barnstaple

When speed matters for your Barnstaple 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 Devon, 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 Barnstaple

For developers building in Barnstaple, 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 Devon. 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 Devon

Why Barnstaple for Commercial Property Investment

Lender Appetite

Standard appetite for regional centre properties.

Latest Commercial Property News in Barnstaple

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

Calculate Your Barnstaple Property Finance

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