Commercial Mortgages Paignton
Paignton (TQ3 / TQ4) is the family seaside resort at the centre of Torbay, the seafront, the harbour, the holiday-park and caravan economy and a deep town-centre retail spine. We arrange commercial mortgages for guest houses and holiday lets, seafront leisure, retail investment and owner-occupier premises across the Paignton resort economy.
8 active commercial property listings currently tracked in Paignton.
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The Paignton commercial property market
Paignton anchors the family end of the Torbay tourism economy. The commercial mortgage flow centres on the seafront and harbour hospitality, the guest-house and holiday-let market, the holiday-park and caravan stock inland, and a town-centre retail spine along Victoria Street and Torquay Road. Like Torquay, the market is shaped by tourism seasonality, and lenders underwrite for it.
The deep-volume bracket is £250K to £1.5M: guest-house freeholds, holiday-let units, seafront F&B and in-town retail. Trading guest houses fund 7.0-9.0% pa on EBITDA; holiday lets via specialist lending; retail investment 6.5-8.5% pa. Value-end retail on the secondary parades sits at the wider end of the range.
HM Land Registry residential transactions across TQ3 / TQ4 confirm an active resort market, second-home and apartment stock near the seafront and a value-tier family market inland. They are not a direct commercial signal, but they underwrite the holiday-let and semi-commercial income the Paignton lending sits against.
Recent commercial planning activity around Paignton (TQ3 / TQ4)
Our live planning feed does not currently hold applications for Paignton's TQ3 or TQ4 postcodes; Torbay Council's pipeline is not yet in our data lake. The figures below draw on the wider Teignbridge tourism and hospitality corridor as an illustrative guide rather than on Paignton-specific consents. As an adjacent-corridor reference, the Premier Inn Beefeater restaurant alterations at Kingsteignton in Teignbridge (Ref 26/00677/FUL, TQ12 3AF) show the kind of branded hospitality asset-management deal that funds on a strong covenant, directly relevant to the Paignton seafront leisure market. We have placed guest-house, holiday-let and seafront retail deals across Paignton repeatedly; we cite the live consent illustratively because the dataset does not yet carry a TQ3 / TQ4 application. Stamp duty applies at the commercial rates on every purchase; refinancing is unaffected.
Active commercial property types in Paignton
Guest houses / B&Bs
Owner-operated guest-house freeholds.
£250K-£800K facility
Holiday lets and parks
Holiday-let units and caravan-park investment.
£300K-£2M
Seafront leisure
Cafes, amusements and seafront F&B.
£250K-£1M
Town-centre retail
Victoria Street and Torquay Road retail investment.
£200K-£800K
Owner-occupier retail
Independent retailers buying their unit.
£200K-£600K
Semi-commercial shop+flat
Resort-town shop with flat above.
£200K-£550K
Commercial mortgage products active in Paignton
Guest houses route through trading-business mortgage on EBITDA. Holiday-let stock via the holiday-let portfolio product. Retail investment via commercial investment mortgage. Shop-with-flat archetypes via semi-commercial mortgage. Refinancing recovered trading is active in 2026.
Owner-occupier
Businesses buying their trading premises, EBITDA cover at 1.3-1.5x, LTV to 75% on bricks.
Commercial investment
Let assets, ICR at 140-160% stressed, LTV typically 65-75%.
Semi-commercial
Shop+flat archetypes, blended ICR ~145%, LTVs to 75% via specialists.
Bridge-to-let
Vacant or value-add acquisitions with refurb / re-let exit onto term mortgage.
Refinancing
Maturing facilities, equity release on stabilised commercial assets, rate-driven switches.
Lender appetite for Paignton guest houses, holiday lets and retail
Tourism-weighted, with a value-tier slant relative to Torquay. Trading guest houses route through Cynergy Bank, Allica and specialist leisure desks at 7.0-9.0% pa on EBITDA. Holiday lets and caravan parks via InterBay Commercial, Shawbrook and specialist holiday-let lenders at 6.5-8.5% pa. Retail and semi-commercial competes across Santander, NatWest and the challenger desks, with Together and LendInvest on value-end stock. Commercial mortgages are unregulated and fall outside the FCA's regulated mortgage perimeter. We do not hold FCA authorisation because the products we arrange are unregulated.
Property types we finance in Paignton
Asset classes most active in Paignton, each linked to the dedicated finance structure, lender appetite and typical terms for that property type.
Paignton sold-price data
Live HM Land Registry transaction data for the Paignton local authority area. Use this as market evidence when appraising your scheme or testing GDV assumptions.
Median price
£248K
-6.2% YoY
Transactions (12m)
638
Completed sales
New-build share
2.0%
13 new-build sales
New-build premium
+37.7%
vs existing stock
Median price by property type
Detached
£370K
Semi-detached
£260K
Terraced
£210K
Flat / Apartment
£139K
Recent transactions
| Date | Postcode | Address | Type | Price |
|---|---|---|---|---|
| 27 Mar 2026 | TQ4 7LX | 2, ASHBURN WALK | Flat / Apartment | £278K |
| 23 Mar 2026 | TQ4 6EX | 17, HILL PARK TERRACE | Terraced | £192K |
| 20 Mar 2026 | TQ4 7EQ | 77, HARBOURNE AVENUE | Semi-detached | £275K |
| 20 Mar 2026 | TQ3 1EB | 46, ALL HALLOWS ROAD | Semi-detached | £290K |
| 20 Mar 2026 | TQ4 6LB | 24, TOR CLOSE | Detached | £378K |
| 20 Mar 2026 | TQ3 3AR | 2, BRENT ROAD | Terraced | £160K |
| 18 Mar 2026 | TQ4 7TD | 65, STURCOMBE AVENUE | Terraced | £157K |
| 16 Mar 2026 | TQ4 7RN | 205, ROSELANDS DRIVE | Semi-detached | £260K |
Source: HM Land Registry Price Paid Data, Torbay LPA. Updated 20 May 2026.
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