Fishguard, Wales

Commercial Mortgages & Property Finance in Fishguard

Fishguard is a small coastal town and port in north Pembrokeshire, best known for its ferry terminal providing services to Rosslare in Ireland. The town has two distinct areas: the upper town with its commercial centre along West Street, and the picturesque Lower Town harbour. Commercial property opportunities relate to tourism, port-related services, and local retail, with the town benefiting from its position on the Pembrokeshire Coast Path.

Fishguard Town CentreGoodwickFishguard HarbourLower TownDinas
£78
Avg Price/sq ft
7.6%
Average Yield
+5.8%
5yr Price Growth
+3.5%
5yr Rental Growth

Fishguard Local Market Intelligence

Irish ferry port. Last Invasion history. Strong coastal tourism.

— CMB Market Analysis

Key Industries

  • Ferry & Port Services
  • Tourism & Hospitality
  • Fishing
  • Creative Industries

Transport Links

  • Stena Line ferry to Rosslare, Ireland
  • Fishguard & Goodwick railway station (direct to Cardiff)
  • A40 trunk road east to Haverfordwest
  • Pembrokeshire Coast Path access

Regeneration

Fishguard has benefited from port improvement works and town centre enhancement schemes, with ongoing investment in the harbour area and initiatives to develop the town's creative industries cluster around the arts and music scene.

Commercial Mortgages in Fishguard

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

Our ex-banker team understands the Fishguard 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 Fishguard

When speed matters for your Fishguard 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 Wales, 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 Fishguard

For developers building in Fishguard, 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 Wales. 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 Wales

Why Fishguard for Commercial Property Investment

Lender Appetite

Good appetite for tourism.

Latest Commercial Property News in Fishguard

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

Calculate Your Fishguard Property Finance

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