Torquay, Devon

Commercial Mortgages & Property Finance in Torquay

Torquay is the principal resort of the English Riviera, a palm-tree lined bay that earned its Riviera nickname from its mild microclimate. Agatha Christie's birthplace and home to one of Europe's first tourist industries, the town combines a traditional seaside economy with a growing conference and events sector and an expanding marine activities market.

Torquay HarboursideTorreSt MarychurchWellswoodBabbacombe
£205
Avg Price/sq ft
5.6%
Average Yield
+18.5%
5yr Price Growth
+14%
5yr Rental Growth

Torquay Local Market Intelligence

English Riviera resort with strong tourism economy. Retirement destination. Conference and events sector significant.

— CMB Market Analysis

Key Industries

  • Tourism & Hospitality
  • Conference & Events
  • Healthcare
  • Retail
  • Marine Leisure

Transport Links

  • GWR to Exeter (30 mins)/Newton Abbot/Paddington
  • A380 South Devon Expressway to M5
  • A3022 coast road to Brixham
  • Torquay Marina and harbour

Regeneration

Torquay harbour and Beacon Quay area transformation; Torwood Street and Fleet Street public realm; Pavilion site redevelopment; Torre Marine development; English Riviera UNESCO Geopark investment

Commercial Mortgages in Torquay

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

When speed matters for your Torquay 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 Torquay

For developers building in Torquay, 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 Torquay for Commercial Property Investment

Lender Appetite

Tourism and hospitality understood. Seasonal cash flow requires specialist approach.

Latest Commercial Property News in Torquay

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

Calculate Your Torquay Property Finance

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