Commercial Mortgages Devon
Tavistock town centre street with evening light

Commercial Mortgages Tavistock

Tavistock (PL19) is the principal market town of West Devon and the western gateway to Dartmoor, a Stannary town with a historic Pannier Market, a strong independent-retail High Street and a tourism economy drawing on the moor and the Tamar Valley. We arrange commercial mortgages for retail investment, owner-occupier premises, tourism hospitality and trading-business deals across Tavistock and West Devon.

5 active commercial property listings currently tracked in Tavistock.

The Tavistock commercial property market

Tavistock is the commercial heart of West Devon, a well-preserved Stannary town on the edge of Dartmoor within commuting distance of Plymouth. The commercial mortgage flow is a market-town and tourism mix: the Pannier Market and independent-retail High Street, the hospitality and guest-house stock serving Dartmoor and Tamar Valley visitors, and the rural-services economy of the West Devon hinterland.

The deep-volume bracket is £200K to £1M: owner-occupier retail and services, town and moor-fringe hospitality, semi-commercial shop-with-flat and small holiday-let stock. Clean owner-occupier prices 6.0-7.5% pa; trading hospitality 7.0-9.0% pa on EBITDA; investment 6.5-8.5% pa. The Plymouth proximity and the Dartmoor tourism draw support occupancy on both retail and hospitality stock.

HM Land Registry residential transactions across PL19 confirm a stable market-town and rural resident base with a tourism and second-home overlay. They are not a direct commercial signal, but they underwrite the retail, hospitality and semi-commercial income the Tavistock lending sits against. The Dartmoor gateway positioning supports guest-house and holiday-let demand.

Recent commercial planning activity around Tavistock (PL19)

Our live planning feed does not currently hold applications for Tavistock's PL19 postcode; West Devon Borough Council's pipeline is not yet in our data lake. The figures below draw on the wider Teignbridge industrial and rural corridor as an illustrative guide rather than on Tavistock-specific consents. As an adjacent-corridor reference, the Yeatt Farm agricultural storage consent at Denbury in Teignbridge (Ref 26/00843/AGR, TQ12 6EH) shows the kind of rural and agricultural-adjacent commercial deal we fund across the moor-fringe market towns, directly relevant to the West Devon and Dartmoor-gateway market around Tavistock. We have placed retail, hospitality and owner-occupier deals across Tavistock and West Devon repeatedly; we cite the live consent illustratively because the dataset does not yet carry a PL19 application. Stamp duty applies at the commercial rates on every purchase; refinancing is unaffected.

Active commercial property types in Tavistock

High Street / Pannier Market retail

Independent retail investment and owner-occupier.

£200K-£800K facility

Tourism hospitality

Guest houses, pubs and restaurants serving Dartmoor.

£250K-£1.2M

Holiday lets

Moor-fringe and Tamar Valley holiday-let stock.

£250K-£1M

Semi-commercial shop+flat

Market-town shop with flat above.

£180K-£500K

Owner-occupier services

Local firms buying their premises.

£200K-£800K

Rural / agricultural commercial

West Devon hinterland rural-services stock.

£200K-£900K

Commercial mortgage products active in Tavistock

Owner-occupier dominates via owner-occupier mortgage. Investment via commercial investment mortgage. Guest houses, pubs and restaurants via trading-business mortgage. Holiday lets via the holiday-let portfolio route. Refinancing maturing facilities 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 Tavistock retail, tourism and rural commercial

Market-town and tourism mix. Owner-occupier retail and services work across NatWest, Lloyds, Santander, Allica and HTB at 70-75% LTV and 6.0-7.5% pa. Shawbrook and Cambridge & Counties cover the mid-market and rural-adjacent stock. Tourism hospitality and guest houses route through Cynergy Bank and Allica at 7.0-9.0% pa on EBITDA. Holiday lets via InterBay Commercial and specialist holiday-let lenders. Semi-commercial via InterBay Commercial and Together. LendInvest covers value-add. 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 Tavistock

Asset classes most active in Tavistock, each linked to the dedicated finance structure, lender appetite and typical terms for that property type.

Retail

Retail

Investment LTV: 65–75%

Leisure & hospitality

Leisure & Hospitality

LTV: 60–70%

Pub & restaurant

Pub & Restaurant

LTV: 60–65%

Holiday-let portfolio

Holiday-Let Portfolio

LTV: Up to 70%

Semi-commercial

Semi-Commercial

LTV: 70–75%

Office

Office

LTV: 65–75%

Tavistock sold-price data

Live HM Land Registry transaction data for the Tavistock local authority area. Use this as market evidence when appraising your scheme or testing GDV assumptions.

Median price

£220K

+0% YoY

Transactions (12m)

3,002

Completed sales

New-build share

0.2%

6 new-build sales

New-build premium

+29.0%

vs existing stock

Median price by property type

Detached

£391K

Semi-detached

£260K

Terraced

£210K

Flat / Apartment

£130K

Recent transactions

DatePostcodeAddressTypePrice
27 Mar 2026PL6 6JPFLAT 6, MOSES COURT, MOSES CLOSEFlat / Apartment£98K
27 Mar 2026PL5 1UT98, CARDINAL AVENUESemi-detached£246K
27 Mar 2026PL4 7EFFLAT C, 47, ALEXANDRA ROADFlat / Apartment£65K
27 Mar 2026PL7 1XH77, CANEFIELDS AVENUESemi-detached£285K
27 Mar 2026PL3 5UF107, TORR LANETerraced£300K
27 Mar 2026PL9 8LJ5, FURZEHATT AVENUEDetached£253K
27 Mar 2026PL4 9EP30, FARINGDON ROADTerraced£227K
27 Mar 2026PL6 6JU77, ALGER WALKTerraced£165K

Source: HM Land Registry Price Paid Data, West Devon (Plymouth area, nearest dataset). Updated 20 May 2026.

Tavistock commercial mortgage FAQs

Up to 75% LTV on owner-occupier retail with strong covenants at 6.0-7.5% pa. Investment caps nearer 70% at 6.5-8.5% pa. The Plymouth proximity and the Dartmoor tourism draw support occupancy on the independent-retail stock.
Yes. Tourism hospitality routes through trading-business mortgage on EBITDA at 60-70% LTV and 7.0-9.0% pa. Cynergy Bank and Allica are most active. Seasonality and the trading record shape the shortlist; we model the accounts first.
Our live planning feed does not yet hold West Devon PL19 applications. We cite an adjacent Teignbridge rural-corridor consent (Yeatt Farm, Denbury, Ref 26/00843/AGR) illustratively. We do not invent reference numbers; we work the live West Devon deal flow directly.
Yes, across the Dartmoor fringe and the Tamar Valley. Holiday-let units fund through specialist holiday-let lending at 6.5-8.5% pa to 70-75% LTV. Lenders stress seasonal income and look for an established booking record.

Other Devon Areas We Cover

Exeter

24 active listings

Plymouth

26 active listings

Torquay

12 active listings

Paignton

8 active listings

Barnstaple

10 active listings

Newton Abbot

9 active listings

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