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.
CMB combines former Lloyds and Bank of Scotland underwriting experience with direct board-level relationships at the UK's leading commercial lenders.
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
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
Falmouth University expansion and student accommodation; docks area redevelopment; Events Square enhancement; Maritime Heritage Trail; town centre public realm improvements
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.
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.
Roscarrack Farm, The Cob Barn, Roscarrack Road, Goldenbank, Falmouth
Silverhill House, Treculliacks, Constantine, Falmouth
Queen Mary House, 11, Queen Mary Road, Falmouth
26, Ground Floor Shop, Church Street, Falmouth
20a - 20b, High Street, Falmouth
Intrepid Works, Unit 2, Tregoniggie Industrial Estate, Falmouth
Pendennis Court, Falmouth Business Park, Falmouth
The Falmouth Hotel, Cliff Road, Falmouth
Maritime House, 12, Discovery Quay, Falmouth
Arewnack Art School, Arwenack Avenue, Falmouth
36, Market Street, Falmouth
The Old Bakery, Minnie Place, Falmouth
48, Arwenack Street, Falmouth
Silva, Carclew Road, Mylor, Falmouth
Roscarrack Farm, The Cattery, Roscarrack Road, Goldenbank, Falmouth
61, Church Street, Falmouth
Little Greystones Farm, Passage Hill, Mylor, Falmouth
1, Meadowbank, Mylor, Falmouth
112, Dracaena Avenue, Falmouth
2, Nangitha Place, Budock Water, Falmouth
25a, Arwenack Street, Falmouth
4, Webber Street, Falmouth
66, Trevethan Road, Falmouth
Gold Martin, Carlidnack Road, Mawnan Smith, Falmouth
Morlanow, Florence Terrace, Falmouth
Haven, 32a, Dracaena Avenue, Falmouth
Tingletwist, Port Navas, Falmouth
21c, Arwenack Street, Falmouth
Argal Manor, Kergilliack, Falmouth
25, Avenue Road, Falmouth
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.
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.
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 ProfileWhat makes Falmouth fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
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.
Maritime and education sectors understood. Tourism seasonal.
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.
Commercial property news for Falmouth will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout Cornwall.
Commercial mortgage services available across Falmouth and surrounding areas. View larger map
Recent sales, planning movement and market signals for Falmouth, drawn from HM Land Registry data and local authority planning registers.
4 relevant planning applications are awaiting decision with Cornwall Council, proposing 14 units with an estimated gross development value of £4.6m.
Source: Cornwall Council planning register
HM Land Registry data shows 58 commercial property transactions in the Falmouth area over the past 60 months, with a median sale price of £330k. Lender appetite tends to follow transaction evidence, so an active local market supports stronger valuations.
Source: HM Land Registry price paid data
HM Land Registry records the sale of Silva, Carclew Road, Mylor, Falmouth for £921,000 in Q4 2025, one of 8 commercial transactions recorded in the Falmouth area that quarter.
Source: HM Land Registry price paid data
Planning movement often signals upcoming finance demand. If you are buying, refinancing or developing in Falmouth, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on Falmouth deals, covered in depth in our knowledge hub.
What lenders assess, who finds it easy, and how declined cases still get funded.
Deposit requirements by property type, acceptable sources, and ways to reduce yours.
The routes to 100% borrowing: additional security, strong trading businesses and equity.
High-street banks, challengers and specialists: who lends on what in Cornwall.
Leniency by lender category and product type, and what flexibility really costs.
Typical 2026 pricing by product, and what drives the rate you are offered.
Data-grounded answers about commercial property finance in Falmouth, sourced from HM Land Registry transactions and our own deal flow.
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).
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.
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.
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.
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 to 48 hours.