Falmouth, CornwallLocal lender appetite and market data

Specialist Commercial Mortgage Broker in Falmouth

CMB arranges commercial mortgages, bridging loans and development finance for property professionals across Falmouth and Cornwall. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£220
Avg Price/sq ft
5.5%
Average Yield
+21.5%
5yr Price Growth
+16%
5yr Rental Growth

Falmouth commercial mortgage brokers, ex-bankers with direct lender access

CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.

Ex-Banking Background

Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out

Board-Level Access

Direct relationships with lender decision-makers for faster approvals and better terms

£300M+ Track Record

Proven success arranging complex commercial property finance across the UK

Falmouth commercial property market signals

The factors lenders weigh when assessing Falmouth commercial mortgages, sector demand, transport connectivity and active regeneration programmes.

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

Listen: Cornwall Q1 2026 commercial property briefing

The Cornwall regional briefing covering Falmouth and the wider region. Cornwall is England's most south-westerly commercial property market and the most tourism-dependent. Five Acuitus prints frame the secondary yield map cleanly between 10.13% on Newquay high-street retail and 16.00% on a Truro mixed-use building.

Part of the Commercial Property Briefing podcast series. Subscribe via the RSS feed.

HMLR transaction evidence

Falmouth commercial property transaction evidence

58 commercial sales in Falmouth across the last 60 months, sourced from HM Land Registry Price Paid Data. 9 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.

Source sales
58
60-month window
Shown below
30
recent examples
Filter transaction evidence
All commercial transactions in Falmouth
58transactions
Sample: showing 30 recent sales below
AgriculturalQ4 2025

Roscarrack Farm, The Cob Barn, Roscarrack Road, Goldenbank, Falmouth

Sale price
£150,000
OfficeQ4 2025

Silverhill House, Treculliacks, Constantine, Falmouth

Sale price
£800,000
OfficeQ1 2025

Queen Mary House, 11, Queen Mary Road, Falmouth

Sale price
£962,495
RetailQ1 2025

26, Ground Floor Shop, Church Street, Falmouth

Sale price
£314,500
RetailQ1 2025

20a - 20b, High Street, Falmouth

Sale price
£225,000
IndustrialQ4 2024

Intrepid Works, Unit 2, Tregoniggie Industrial Estate, Falmouth

Sale price
£200,000
OfficeQ4 2024

Pendennis Court, Falmouth Business Park, Falmouth

Sale price
£1,250,000
HotelQ2 2024

The Falmouth Hotel, Cliff Road, Falmouth

Sale price
£4,813,475
OfficeQ1 2024

Maritime House, 12, Discovery Quay, Falmouth

Sale price
£725,000
CommercialQ1 2026

Arewnack Art School, Arwenack Avenue, Falmouth

Sale price
£420,000
CommercialQ1 2026

36, Market Street, Falmouth

Sale price
£500,000
CommercialQ4 2025

The Old Bakery, Minnie Place, Falmouth

Sale price
£650,000
CommercialQ4 2025

48, Arwenack Street, Falmouth

Sale price
£900,000
CommercialQ4 2025

Silva, Carclew Road, Mylor, Falmouth

Sale price
£921,000
CommercialQ4 2025

Roscarrack Farm, The Cattery, Roscarrack Road, Goldenbank, Falmouth

Sale price
£250,000
CommercialQ4 2025

61, Church Street, Falmouth

Sale price
£325,000
CommercialQ4 2025

Little Greystones Farm, Passage Hill, Mylor, Falmouth

Sale price
£666,000
CommercialQ3 2025

1, Meadowbank, Mylor, Falmouth

Sale price
£265,000
CommercialQ2 2025

112, Dracaena Avenue, Falmouth

Sale price
£250,000
CommercialQ2 2025

2, Nangitha Place, Budock Water, Falmouth

Sale price
£357,000
CommercialQ2 2025

25a, Arwenack Street, Falmouth

Sale price
£58,000
CommercialQ2 2025

4, Webber Street, Falmouth

Sale price
£160,000
CommercialQ1 2025

66, Trevethan Road, Falmouth

Sale price
£335,000
CommercialQ1 2025

Gold Martin, Carlidnack Road, Mawnan Smith, Falmouth

Sale price
£650,000
CommercialQ1 2025

Morlanow, Florence Terrace, Falmouth

Sale price
£350,000
CommercialQ1 2025

Haven, 32a, Dracaena Avenue, Falmouth

Sale price
£536,000
CommercialQ1 2025

Tingletwist, Port Navas, Falmouth

Sale price
£825,000
CommercialQ1 2025

21c, Arwenack Street, Falmouth

Sale price
£175,000
CommercialQ4 2024

Argal Manor, Kergilliack, Falmouth

Sale price
£1,230,000
CommercialQ4 2024

25, Avenue Road, Falmouth

Sale price
£210,000

Source: HM Land Registry Price Paid Data (Category B records). Sector classification is address-based and best-effort; unclassified records are shown as general commercial transactions and smaller sectors may include mixed-use or conversion deals.

Falmouth commercial mortgages, bridging loans and development finance

Three core debt structures cover the majority of Falmouth commercial property deals. Each carries a different lender panel, LTV ceiling and pricing band, match the structure to the asset and the timeline.

Commercial Mortgages

Long-term financing for commercial and mixed-use property purchases, refinancing, and investment, tailored by experienced brokers who understand complex deal structures.

From £50,000Up to 75% LTV5-25 years

Commercial Remortgage

Refinance an existing commercial mortgage to lower your rate, switch lender, release equity or restructure the loan.

From £150,000Up to 75% LTV5-25 years (typical 5-year fixed reverting to variable)

Commercial Bridging Finance

Fast, flexible short-term finance for commercial property transactions, decisions in 48 hours, completion in days, and creative structuring for deals that mainstream lenders will not touch.

From £50,000Up to 75% LTV1-18 months

Development Finance

Specialist funding for ground-up construction, major refurbishment, and mixed-use development projects, structured with staged drawdowns aligned to your build programme.

From £150,000Up to 75% LTV6-24 months
ML

Matt Lenzie

Founder & Principal Broker

With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Falmouth. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.

View Full Profile

Falmouth commercial property investment fundamentals

What makes Falmouth fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.

Investment Highlights

  • Average commercial property yields of 5.5% across the local market
  • 21.5% property price growth over the past five years
  • 16% rental growth over five years supporting income returns
  • Strong occupier demand from Maritime & Shipbuilding (A&P Falmouth) and Creative Arts & Design (Falmouth University) sectors
  • Excellent transport connectivity including GWR branch line to Truro (25 mins)
  • Active regeneration programmes driving future capital growth

Development Opportunities

Falmouth presents development opportunities linked to Falmouth University expansion and student accommodation. Growing demand from the Maritime & Shipbuilding (A&P Falmouth) sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.

Lender Appetite

Maritime and education sectors understood. Tourism seasonal.

Property Types We Finance

Office SpaceServiced OfficesData CentresRetail UnitsHigh Street ShopsShopping Centres

Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across Falmouth and the wider Cornwall region, from commercial property purchases to development and refurbishment projects.

Need a commercial mortgage decision in Falmouth?

Our team will review your asset, sector and structure against current Falmouth lender appetite and come back with an indicative rate, LTV and term within 24–48 hours. No application until you're ready.

Latest Commercial Property News in Falmouth

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

Falmouth Commercial Mortgage Calculator

Pre-populated with local market data

£
£
%
£
Monthly Payment
£0
LTV
0.0%
DSCR
0.00
Gross Yield
0.0%

Interest-only estimate. Actual terms subject to lender assessment.

Falmouth Location

Commercial mortgage services available across Falmouth and surrounding areas. View larger map

Falmouth commercial mortgage FAQ

Data-grounded answers about commercial property finance in Falmouth, sourced from HM Land Registry transactions and our own deal flow.

How active is the commercial property market in Falmouth?

HM Land Registry recorded 58 commercial property transactions in Falmouth during the most recent reporting window. The median commercial sale price is £330,000, with the middle 50% of deals between £230,000 and £570,000. Source: HM Land Registry Price Paid Data (Category B records).

What is the typical commercial property price in Falmouth?

The median commercial sale price recorded by HM Land Registry in Falmouth is £330,000. Smaller end deals (lower quartile) sit around £230,000, while larger transactions (upper quartile) reach £570,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in Falmouth.

Which commercial property sectors are most active in Falmouth?

The most active commercial sectors in Falmouth (by recorded transaction count) are: office (4 transactions), retail (2 transactions), agri (1 transaction). Sector mix matters because lender appetite, LTV ceilings and rate pricing all vary by use class — speak to our team for an indicative quote on the sector you are targeting.

Can I get a commercial mortgage on a property in Falmouth?

Yes. We arrange commercial mortgages, commercial bridging finance and development finance for property in Falmouth. Typical loan sizes range from £150,000 to £25m+, with LTVs up to 75% on standard commercial assets and up to 70% LTGDV on development. Whole-of-market access — including the high-street banks, challenger lenders and specialist commercial funders.

How do I get a commercial mortgage quote for a property in Falmouth?

Call 07595 366094 or use the contact form to request a commercial mortgage quote in Falmouth. We will review the asset, sector, deal structure and lender appetite specific to Falmouth and come back with an indicative rate, LTV and term within 24–48 hours.

Ready to discuss your Falmouth project?

Speak with our specialist team today and get a decision in principle within 48 hours.