CMB arranges commercial mortgages, bridging loans and development finance for property professionals across St Ives and Cornwall. Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, institutional-grade underwriting, direct lender access and decisions in 48 hours.
St Ives commercial property delivers 5% average yield with 26% five-year price growth.
St Ives has delivered above-average capital growth across the last five years, supporting development and refurb deal flow.
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 St Ives commercial mortgages, sector demand, transport connectivity and active regeneration programmes.
“Tate St Ives. Barbara Hepworth Museum. UK's premier art town.”
, CMB Market Analysis
Tate St Ives expansion (completed 2017); harbour and waterfront conservation; sustainable transport improvements; limited development due to AONB and conservation area constraints
The Cornwall regional briefing covering St Ives 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.
81 commercial sales in St Ives across the last 60 months, sourced from HM Land Registry Price Paid Data. 12 records in the current sample are confidently sector-classified; the wider recent sample is shown as general commercial transaction evidence.
Chy-An-Drea Hotel, The Terrace, St Ives
The Barber Shop, Fish Street, St Ives
St Ives Bay Hotel, The Terrace, St Ives
The Coach House, Ramsey Road, St Ives
Carthew House, Carthew Way, St Ives
St. Ives Delivery Office, 13 - 15, Bridge Street, St Ives
9, High Street, St Ives
Hawks Point House, Hawks Point, Carbis Bay, St Ives
Ground Floor Shop, Tregenna Hill, St Ives
P M A House, 7, Free Church Passage, St Ives
Gurnards Head Hotel, Zennor, St Ives
Field Lodge Care Home, London Road, St Ives
14, Wilson Way, St Ives
The Ridings, 1, Priory Road, St Ives
1, Brunel Court, St Ives
7a, Church Street, St Ives
3, Treloyhan Manor Mews, St Ives
Carnello Garages, 1, Ayr, St Ives
Berth 2, Enderbys Wharf, St Ives
Unit 27, Stephenson Road, St Ives
28, Alwyn Close, St Ives
2, Shakespeare Road, St Ives
2, Shakespeare Road, St Ives
Swallows, St Ives Road, Carbis Bay, St Ives
13, Tregenna Place, St Ives
14, Tregenna Place, St Ives
Unit 16, Stephenson Road, St Ives
Anchor Loft, Tregenna Hill, St Ives
Studio At The Rear Of, Tregenna Hill, St Ives
The Marsh Harrier, Needingworth Road, St Ives
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 St Ives 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 St Ives. 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 St Ives fundable, where the development opportunity sits, which lenders are active, and the asset classes our team finances most often.
St Ives presents development opportunities linked to Tate St Ives expansion (completed 2017). Growing demand from the Art & Galleries sector is creating opportunities for purpose-built commercial space and conversion projects. Strong transport links enhance viability for mixed-use and residential-led schemes.
Very strong appetite for art and tourism.
Our team has deep experience arranging commercial mortgages, bridging loans, and development finance across St Ives and the wider Cornwall region, from commercial property purchases to development and refurbishment projects.
Commercial property news for St Ives 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 St Ives and surrounding areas. View larger map
Recent sales, planning movement and market signals for St Ives, drawn from HM Land Registry data and local authority planning registers.
HM Land Registry data shows 81 commercial property transactions in the St Ives area over the past 60 months, with a median sale price of £320k. 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 Chy-An-Drea Hotel, The Terrace, St Ives for £2,730,424 in Q1 2026, one of 2 commercial transactions recorded in the St Ives 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 St Ives, see our guide to getting a commercial mortgage or talk to us about the local market.
The questions we answer most often on St Ives 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 St Ives, sourced from HM Land Registry transactions and our own deal flow.
HM Land Registry recorded 81 commercial property transactions in St Ives during the most recent reporting window. The median commercial sale price is £320,000, with the middle 50% of deals between £190,000 and £538,000. Source: HM Land Registry Price Paid Data (Category B records).
The median commercial sale price recorded by HM Land Registry in St Ives is £320,000. Smaller end deals (lower quartile) sit around £190,000, while larger transactions (upper quartile) reach £538,000 and above. These are the figures lenders will benchmark valuations against when assessing a commercial mortgage application in St Ives.
The most active commercial sectors in St Ives (by recorded transaction count) are: office (5 transactions), hotel (3 transactions), retail (3 transactions). 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 St Ives. 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 St Ives. We will review the asset, sector, deal structure and lender appetite specific to St Ives and come back with an indicative rate, LTV and term within 24 to 48 hours.