Commercial Mortgages Dawlish
Dawlish (EX7) is a Teignbridge coastal town on the South Devon railway seawall, known for its seafront, its town-centre retail along The Strand, and a tourism and holiday-let economy serving the Teignbridge coast. We arrange commercial mortgages for seafront leisure, holiday lets, retail investment and owner-occupier premises across the Dawlish coastal economy.
4 active commercial property listings currently tracked in Dawlish.
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The Dawlish commercial property market
Dawlish sits on the Teignbridge seaboard between Exeter and Teignmouth, its famous seawall railway and seafront anchoring a compact tourism and retail economy. The commercial mortgage flow is a coastal-town mix: the town-centre retail along The Strand and the Lawn, the seafront and tourism hospitality, and the holiday-let and guest-house stock the coast supports. The Exeter proximity adds a commuter-belt dimension to the retail and services base.
The deep-volume bracket is £200K to £1M: owner-occupier retail and services, seafront F&B, holiday-let units and semi-commercial shop-with-flat. Clean owner-occupier prices 6.0-7.5% pa; trading leisure 7.0-9.0% pa on EBITDA; holiday lets via specialist lending; investment 6.5-8.5% pa. The coastal and commuter overlay supports occupancy on the compact town-centre stock.
HM Land Registry residential transactions across EX7 confirm an active coastal and commuter market, the seafront apartment and second-home stock and the inland family market. They are not a direct commercial signal, but they underwrite the holiday-let, leisure and semi-commercial income the Dawlish lending sits against.
Recent commercial planning activity around Dawlish (EX7)
Our live planning feed does not currently hold applications for Dawlish's EX7 postcode; while Dawlish sits within Teignbridge, the data lake does not yet carry an EX7 commercial application. The figures below draw on the wider Teignbridge coastal corridor as an illustrative guide rather than on Dawlish-specific consents. As an adjacent-corridor reference, the garage redevelopment to two dwellings at 4 Bath Terrace in Teignmouth (Ref 26/00611/FUL, TQ14 8AD) shows the kind of coastal-town redevelopment and conversion deal common along the Teignbridge seaboard, directly relevant to the Dawlish seafront and Strand market. We have placed seafront leisure, holiday-let and retail deals across Dawlish repeatedly; we cite the live consent illustratively because the dataset does not yet carry an EX7 application. Stamp duty applies at the commercial rates on every purchase; refinancing is unaffected.
Active commercial property types in Dawlish
Seafront leisure and F&B
Cafes, restaurants and seafront amusements.
£200K-£900K facility
Holiday lets / guest houses
Coastal holiday-let units and guest-house freeholds.
£250K-£1.2M
The Strand / town-centre retail
In-town retail investment and owner-occupier.
£200K-£700K
Semi-commercial shop+flat
Coastal-town shop with flat above.
£180K-£500K
Owner-occupier services
Professional and commuter-belt services premises.
£200K-£800K
Mixed-use seafront blocks
Ground-floor commercial with flats above.
£250K-£1M
Commercial mortgage products active in Dawlish
Seafront leisure and guest houses route through trading-business mortgage on EBITDA. Holiday lets via the holiday-let portfolio product. Retail and mixed-use investment via commercial investment mortgage. Shop-with-flat via semi-commercial mortgage. 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 Dawlish coastal leisure and retail
Coastal and tourism-weighted, with an Exeter-commuter slant on the retail and services stock. Seafront leisure and guest houses route through Cynergy Bank, Allica and specialist leisure desks at 7.0-9.0% pa on EBITDA. Holiday lets via InterBay Commercial, Shawbrook and specialist holiday-let lenders at 6.5-8.5% pa. Retail and semi-commercial competes across NatWest, Santander, Lloyds and the challenger desks, with Together and LendInvest on 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 Dawlish
Asset classes most active in Dawlish, each linked to the dedicated finance structure, lender appetite and typical terms for that property type.
Dawlish sold-price data
Live HM Land Registry transaction data for the Dawlish local authority area. Use this as market evidence when appraising your scheme or testing GDV assumptions.
Median price
£290K
-3.3% YoY
Transactions (12m)
1,614
Completed sales
New-build share
1.9%
31 new-build sales
New-build premium
+34.5%
vs existing stock
Median price by property type
Detached
£420K
Semi-detached
£290K
Terraced
£238K
Flat / Apartment
£160K
Recent transactions
| Date | Postcode | Address | Type | Price |
|---|---|---|---|---|
| 27 Mar 2026 | TQ12 6UG | 4, LANDRACE CLOSE | Semi-detached | £308K |
| 27 Mar 2026 | TQ12 2BZ | 7, THE AVENUE | Terraced | £148K |
| 26 Mar 2026 | TQ14 9LU | 30, PELLEW WAY | Semi-detached | £240K |
| 25 Mar 2026 | EX2 9RN | 6, HIGH STREET | Terraced | £246K |
| 24 Mar 2026 | TQ12 3DJ | 17, HUMBER LANE | Detached | £495K |
| 23 Mar 2026 | TQ12 1BQ | 6, SPENCER ROAD | Terraced | £183K |
| 20 Mar 2026 | TQ12 3TW | 21, MILL END | Terraced | £220K |
| 20 Mar 2026 | TQ13 9YL | 11, KILN CLOSE | Semi-detached | £300K |
Source: HM Land Registry Price Paid Data, Teignbridge LPA. Updated 20 May 2026.
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