Commercial Mortgages Tiverton
Tiverton (EX16) is the principal market town of Mid Devon, the High Street and Pannier Market, the Tiverton Business Park and the EX16 mixed commercial economy on the A361 / M5 link. We arrange commercial mortgages for retail investment, owner-occupier premises, industrial and mixed-use across Tiverton and the Mid Devon corridor.
6 active commercial property listings currently tracked in Tiverton.
Loading map...
The Tiverton commercial property market
Tiverton anchors the Mid Devon commercial economy, sitting on the A361 North Devon link road close to junction 27 of the M5. The commercial mortgage flow is a market-town mix: High Street and Pannier Market retail, the Tiverton Business Park and the surrounding industrial estates, and the agricultural and rural-services economy of the Mid Devon hinterland around Crediton and Cullompton.
The deep-volume bracket is £200K to £1.2M: owner-occupier retail and services, light industrial, semi-commercial shop-with-flat and the occasional holiday-let conversion as high-street units shift use. Clean owner-occupier prices 6.0-7.5% pa; investment 6.5-8.5% pa. The M5 link supports industrial and trade-counter occupier demand on the business park stock.
HM Land Registry residential transactions across EX16 and the wider Mid Devon corridor (EX15 around Cullompton, EX17 around Crediton) confirm a stable market-town and rural resident base. They are not a direct commercial signal, but they underwrite the retail, semi-commercial and convenience income the Tiverton lending sits against.
Recent commercial planning activity in Tiverton (EX16) and the Mid Devon corridor
The live Mid Devon public access portal carries applications in Tiverton and the wider EX15 / EX17 corridor that sketch the local commercial mortgage opportunity. The 14B Bridge Street takeaway-to-holiday-let conversion (Ref 26/00675/FULL, EX16 5LY) is a textbook market-town high-street change-of-use deal that funds on the conversion exit. As nearby corridor references, the Wressing Barton change of use at Kentisbeare near Cullompton (Ref 26/00670/FULL, EX15 2AR) and the Little Haske certificate at Crediton (Ref 26/00709/CLP, EX17 4AF) show the rural and agricultural-adjacent stock across the Mid Devon hinterland that we fund on owner-occupier and investment terms. We have placed retail and industrial deals across the EX16 corridor repeatedly. Stamp duty applies at the commercial rates on each acquisition; refinancing is unaffected.
Active commercial property types in Tiverton
High Street retail
Town-centre retail investment and owner-occupier.
£200K-£900K facility
Tiverton Business Park industrial
B2 / B8 owner-occupier and trade-counter.
£250K-£1.2M
Semi-commercial shop+flat
High Street shop with flat above.
£200K-£550K
Holiday-let conversion
High-street units converting to short-term let.
£200K-£600K
Rural / agricultural commercial
Mid Devon hinterland rural-services stock.
£250K-£1M
Owner-occupier services
Local firms buying their premises.
£200K-£800K
Commercial mortgage products active in Tiverton
Owner-occupier dominates via owner-occupier mortgage. Investment via commercial investment mortgage. Shop-with-flat via semi-commercial mortgage. High-street holiday-let conversions 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 Tiverton retail, industrial and rural commercial
Market-town mix. Owner-occupier retail and industrial 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, business-park trade-counter and rural-adjacent stock. Semi-commercial routes through InterBay Commercial and Together. High-street holiday-let conversions via InterBay Commercial and specialist holiday-let lenders. 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 Tiverton
Asset classes most active in Tiverton, each linked to the dedicated finance structure, lender appetite and typical terms for that property type.
Tiverton sold-price data
Live HM Land Registry transaction data for the Tiverton local authority area. Use this as market evidence when appraising your scheme or testing GDV assumptions.
Median price
£275K
-6.8% YoY
Transactions (12m)
856
Completed sales
New-build share
3.2%
27 new-build sales
New-build premium
+22.7%
vs existing stock
Median price by property type
Detached
£400K
Semi-detached
£265K
Terraced
£224K
Flat / Apartment
£120K
Recent transactions
| Date | Postcode | Address | Type | Price |
|---|---|---|---|---|
| 27 Mar 2026 | EX16 9AG | 1, BOURCHIER CLOSE | Detached | £280K |
| 20 Mar 2026 | EX16 4FJ | 6, PAR DRIVE | Semi-detached | £333K |
| 20 Mar 2026 | EX16 6AL | 63, BAMPTON STREET | Terraced | £115K |
| 20 Mar 2026 | EX16 6XF | 28, OAKFIELDS | Semi-detached | £249K |
| 20 Mar 2026 | EX16 6XD | 15, ST JOHNS CLOSE | Semi-detached | £305K |
| 19 Mar 2026 | EX16 4BP | 11, MARINA WAY | Semi-detached | £265K |
| 19 Mar 2026 | EX16 4LP | COLLIPRIEST COTTAGE | Detached | £1.05M |
| 19 Mar 2026 | EX15 3SG | 35, LONGMEAD | Detached | £650K |
Source: HM Land Registry Price Paid Data, Mid Devon LPA. Updated 20 May 2026.
Tiverton commercial mortgage FAQs
Buying or refinancing in Tiverton?
Free-of-charge deal assessment. Indicative commercial mortgage terms within 48 hours.