Commercial Mortgages Devon
Editorial

Devon Commercial Mortgage Insights

Market intelligence, lender-desk updates and rate commentary for Devon commercial property owners, investors and trading businesses.

Latest

Published reads

7 pieces

Market Read

The Devon commercial property market in 2026

A working read on the Devon commercial property market at mid-2026. The Exeter office and professional-services story (Marsh Barton, Sowton, Exeter Science Park, the Met Office cluster). The Plymouth ...

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Market Update

Commercial mortgage rates in Devon: what to expect for the rest of 2026

A view on where Devon commercial mortgage pricing sits at mid-2026 and where it is likely to land by year-end. Owner-occupier 6.0-7.5% pa, commercial investment 6.5-8.5%, semi-commercial up to 8.5%, t...

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Guide

Owner-occupier vs commercial investment mortgage: which one do you need?

The single most common mistake we see on Devon commercial mortgage enquiries is the wrong product applied for. An owner-occupier wanting a freehold for the business is not the same case as an investor...

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Guide

How DSCR and ICR actually work, explained with real Devon examples

Every lender quote on a commercial investment mortgage tests one of two cover ratios, ICR (interest cover ratio) or DSCR (debt-service coverage ratio). Get the test wrong and the offer prices down at ...

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Sector Analysis

Care home commercial mortgages in Devon: CQC ratings, lender appetite and what actually funds

Devon has an unusually strong cluster of care home stock through Torbay, Exeter and the Plymouth fringe, with the county's older demographic underpinning demand, and the lender appetite for the right ...

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Sector Analysis

Pub freehold purchase in Devon: barrelage, EBITDA and the specialist lender desks

Buying a pub freehold is one of the most specialist commercial mortgages on the panel. Lenders test barrelage, beer-tie status, food-to-wet revenue split, license type, the operator's track record, an...

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Sector Analysis

Semi-commercial mortgage on a Devon shop-with-flat: the FCA twist most brokers miss

The classic Devon semi-commercial archetype, ground-floor retail, one or two flats above, on Exeter's Fore Street or Plymouth's Mutley Plain or a Torquay seafront parade, is one of the most well-funde...

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In preparation

In the pipeline

Briefings we are working on across Devon. Outlines available now, full pieces shipping through the editorial calendar. Send a topic suggestion to enquiries@commercialmortgagesdevon.co.uk.

Guide · Draft

Portfolio refinance in Devon: when to consolidate and when to leave individual mortgages alone

If you hold five or more commercial investment assets across Devon, the question of whether to consolidate into a single portfolio facility or keep individual mortgages running is ...

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Tax & Structure · Draft

Stamp duty on commercial property: the 2026 picture and what is changing

Stamp Duty Land Tax on commercial property in Devon and the rest of England runs on three non-residential bands: 0% to £150,000, 2% on the next £100,000, 5% on the balance. There i...

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Tax & Structure · Draft

Limited company structure for commercial mortgage investment: SPV, group company or trading company?

Most commercial investment mortgages in Devon are written into limited companies, but the question of whether to use a clean special-purpose vehicle (SPV), a group holding structur...

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Guide · Draft

Commercial bridging in Devon: when it is the right answer, and when it absolutely is not

Commercial bridging at 0.70 to 0.95% per month is meaningfully more expensive than term commercial mortgage debt at 6.5 to 8.5% pa, but for the right case it is the right answer. V...

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