Truro, Cornwall

Commercial Mortgages in Truro

Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Truro and Cornwall.

£300M+
Capital Raised
48hrs
Decision Time
100+
Lender Panel
£235
Avg Price/sq ft
5.3%
Average Yield
+20%
5yr Price Growth
+15%
5yr Rental Growth

Why Choose CMB in Truro

Direct relationships with executives and board members of the UK's leading 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

Areas we cover:City CentreTruro CathedralThreemilestoneMoreskTreliske

Truro Local Market Intelligence

Cornwall's only city and commercial hub. Strong retail centre. Healthcare sector anchor.

— CMB Market Analysis

Key Industries

  • Healthcare (Royal Cornwall Hospital)
  • Professional Services
  • Retail
  • Education
  • Public Administration

Transport Links

  • GWR Cornwall Main Line hub to London/Plymouth
  • A39 to Falmouth/north Cornwall
  • A390 to St Austell/Liskeard
  • Truro river ferry to Falmouth

Regeneration

Pydar Street mixed-use regeneration (Truro's largest development site); Truro Eastern District Centre; Langarth Garden Village (4,000+ homes); riverside and lemon quay improvements

Truro Commercial Property Market Data

Commercial Property Values in Truro

Property TypePrime / Grade ASecondaryMarket Range
Office£15 psf£6 psf£6 - £15 psf
Retail / Shop£17 psf£10 psf£10 - £17 psf
Industrial£6 psf£5 psf£5 - £6 psf

Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.

Investment Yields in Truro

Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.

Truro Market Trends

Office Vacancy
Falling
Industrial Demand
Moderate
Retail Footfall
Declining
Residential Investment
Strong
Dominant sector:Office & Professional Services

Truro benefits from growing private investor interest, particularly in office & professional services opportunities.

Recent Commercial Property Transactions in Truro

Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.

OfficeQ1 2026

Refurbished office space, Threemilestone

10,688 sq ft
£61,000 - £67,000
£6 psf10.6% yield
RetailQ3 2025

High street retail unit, Treliske

4,082 sq ft
£70,000 - £77,000
£18 psf6.9% yield
IndustrialQ3 2025

Self-contained industrial premises, Truro Cathedral

2,576 sq ft
£12,000 - £14,000
£5 psf6.4% yield
Care HomeQ4 2025

51-bed registered care home with gardens, City Centre

51 beds
£2,225,000 - £2,460,000
8% yield

Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.

Our Services in Truro

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 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 Truro. 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

Why Truro for Commercial Property Investment

Investment Highlights

  • Average commercial property yields of 5.3% across the local market
  • 20% property price growth over the past five years
  • 15% rental growth over five years supporting income returns
  • Strong occupier demand from Healthcare (Royal Cornwall Hospital) and Professional Services sectors
  • Excellent transport connectivity including GWR Cornwall Main Line hub to London/Plymouth
  • Active regeneration programmes driving future capital growth

Development Opportunities

Truro presents development opportunities linked to Pydar Street mixed-use regeneration (Truro's largest development site). Growing demand from the Healthcare (Royal Cornwall Hospital) 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

Good appetite for quality retail and offices. Premium Cornwall location.

Property Types We Finance

Office SpaceServiced OfficesRetail UnitsHigh Street ShopsShopping CentresEducational FacilitiesStudent Accommodation

Our team has experience in Cornwall property finance markets.

Why Invest in Truro

Truro is Cornwall's only city and administrative capital, centred on its magnificent Victorian Gothic cathedral. The commercial property market benefits from strong demand across Healthcare (Royal Cornwall Hospital), Professional Services, Retail sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 5.3% and 20% price growth over five years, Truro offers compelling returns for commercial property investors. Excellent connectivity via GWR Cornwall Main Line hub to London/Plymouth supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Pydar Street mixed-use regeneration (Truro's largest development site), further enhances the investment outlook and signals sustained public and private sector confidence.

Local Market Challenges

Truro's commercial property market faces competition from nearby larger centres, which can limit tenant demand for certain asset types. Careful due diligence on local occupier markets and realistic yield expectations are essential for successful investment.

Notable Developments

Truro's commercial property landscape has been shaped by Pydar Street mixed-use regeneration (Truro's largest development site). Growth in the Healthcare (Royal Cornwall Hospital) sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.

Planning Context

Planning policy in Truro is set by Cornwall council through its adopted local plan. The authority supports commercial investment and has allocated sites for employment and mixed-use development. Pre-application advice is available and recommended for larger schemes to navigate local requirements efficiently.

Latest Commercial Property News in Truro

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

Truro 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.

Truro Location

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

Truro Commercial Property FAQ

What is the average office rent per square foot in Truro?

Office rents in Truro range from approximately £6 per square foot for secondary space up to £15 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £12 per square foot. These figures are based on Q1 2026 regional market benchmarking.

What yields can investors expect from commercial property in Truro?

Investment yields in Truro vary by property type and grade. Current indicative yields are: offices at 7.92%-10.16%, retail at 6.54%-9.08%, industrial at 6.63%-8.67%, residential single-let at 8.04%, HMOs at 12.68%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.

What types of commercial property are available in Truro?

Truro's commercial property market includes offices, retail units, industrial premises, care homes. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.

What are HMO yields in Truro?

HMO investments in Truro can achieve yields of approximately 12.68%, compared to 8.04% for standard single-let properties. Truro has established HMO demand in key residential areas. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.

What is the average price per bed for care homes in Truro?

Care homes in Truro typically trade at around £46,375 per registered bed. A typical 48-bed home would therefore be valued between £928k and £2.8m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.

Ready to discuss your Truro project?

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