Lyme Regis, Dorset
Bridging Loans Lyme Regis
Lyme Regis sits at the western tip of the Dorset coast, where the Jurassic Coast meets the East Devon boundary at the Cobb harbour. We arrange specialist bridging finance across DT7 postcodes, working with holiday-let investors on the seafront and harbour-front stock, owner-occupiers across the historic town centre, landlords picking up the limited year-round rental stock, and chain-break cases for the steady South East and London inward migration into the western coastal market. Lyme Regis carries one of the most concentrated holiday-let bridging streams in Dorset.
Lyme Regis median
£400,000
DT7 postcode area
Recent sales tracked
6
Land Registry, last 24 months
Dominant stock type
Flat
50% of recent transactions
Indicative monthly rate
0.55–1.5%
Subject to LTV, exit and security
The area
Lyme Regis in context.
Lyme Regis is defined by the Cobb, the medieval stone harbour wall extending out into Lyme Bay, famously featured in Jane Austen's Persuasion and in John Fowles's The French Lieutenant's Woman, which was filmed largely in the town. The historic town centre climbs from the Marine Parade and the harbour up Broad Street, Coombe Street and Bridge Street to the Parish Church of St Michael at the western edge of the town. Pound Street and Silver Street carry the eastern town centre. The fossil coast at Monmouth Beach and Black Ven, west and east of the town, anchors Lyme Regis as the western start of the Jurassic Coast UNESCO World Heritage Site, and the fossil trade generates a substantial visitor economy through the year.
The wider DT7 area is small, covering Lyme Regis town itself, Uplyme to the immediate west across the Devon boundary, Charmouth to the east (technically DT6 but within the Lyme catchment), and the rural hinterland north including Yawl, Rousdon and the boundary with Axminster. Major employers include the visitor and hospitality economy, the Lyme Regis Town Council, Mary Anning Wing of the Lyme Regis Museum, and a steady distribution of small artisan and food businesses. Dorset Council unitary covers the area, with the East Devon District boundary just west.
Sold-data signal
Property market in Lyme Regis.
Lyme Regis carries a median sold price of around £435,000 across DT7 recent transactions, comfortably above the western Dorset average and reflecting both the coastal premium and the substantial second-home and holiday-let market. The town centre and the Marine Parade frontage at DT7 3 run £375,000 to £700,000 with period stock and converted flats, while front-line seafront and harbour-view stock reaches £900,000 plus. The eastern town and the Pound Road belt at DT7 3 also runs £400,000 to £625,000. The rural hinterland and Uplyme run £450,000 to £825,000 plus with substantial detached stock.
Property type split is heavily period in the town centre, with converted Georgian and Victorian flats above retail on Broad Street and Bridge Street, and substantial period houses on the upper slopes. The seafront carries Marine Parade flats and converted villas with harbour views, generating the highest values per square foot in the town. The rural hinterland carries stone-built detached homes and listed cottages. Most bridging in Lyme Regis sits in the £225,000 to £600,000 loan band, with the seafront and harbour-view premium tier reaching £900,000 plus.
Deal flow
Bridging activity in Lyme Regis.
Four deal flavours dominate Lyme Regis bridging. First, holiday-let acquisition along the Marine Parade seafront and the harbour-side stock. Investors picking up flats and small period houses for short-let to Jurassic Coast visitor stays take 6 to 9-month bridges at 0.85 to 0.95% per month, with the exit on BTL refinance or sale once the rental position is settled. LTV typically 65 to 70%, underwriting against long-let comparable rent rather than projected short-let income. Lyme Regis's mature short-let market and the year-round fossil-coast visitor flow support some of the firmest holiday-let yields in western Dorset.
Refurbishment bridging on period stock in the
refurbishment bridging on period stock in the town centre and on the slopes above the harbour. Loan band £225,000 to £450,000, 12 to 15 months at 0.95 to 1.15% per month given the listed-building consent timetables and the conservation area considerations across the town-centre and harbour frontage.
Chain-break bridging for owner-occupiers
chain-break bridging for owner-occupiers, often South East and London relocators buying into the town or the rural hinterland. Regulated bridges run at 0.55 to 0.75% per month, 65 to 70% LTV against the onward property, 6 to 9-month terms. Regulated cases pass to our regulated partner firm.
Capital-raise bridging against unencumbered Lyme Regis seafront
capital-raise bridging against unencumbered Lyme Regis seafront or town-centre stock for deposit funding on the next acquisition. £200,000 to £600,000 against open-market value, 50 to 60% LTV, 6 to 12 months at 0.85 to 1.05% per month.
Streets and postcodes
Named streets we work across.
Lyme Regis covers DT7 3 around the town centre and the seafront.
Postcode areas
Streets in our regular bridging flow (8)
Read the full Lyme Regis geography note ›
Lyme Regis covers DT7 3 around the town centre and the seafront. Named streets in our regular bridging flow include Broad Street as the principal town-centre frontage climbing from the seafront, Bridge Street and Coombe Street through the historic lower town, Marine Parade along the seafront, the Cobb itself with its harbour-side stock, Pound Street and Pound Road through the eastern town, Silver Street and Mill Green through the western slopes, the Sidmouth Road heading west toward Uplyme, and the Charmouth Road heading east. The Cobb frontage and the Marine Parade conservation area both recur as the highest-value bridging book within the town.
Demand drivers
Transport and rental demand.
Lyme Regis has no railway station, with the nearest services at Axminster (5 miles north-west) on the Exeter to Waterloo line. Road access runs along the A3052 connecting Lyme Regis west to Sidmouth and Exeter, and the A35 trunk road runs north through the rural hinterland providing east-west connection through Dorset to Bridport and beyond.
Demand drivers are the Jurassic Coast UNESCO heritage and visitor economy, the year-round fossil-coast visitor flow, the Cobb and the literary heritage tied to Austen and Fowles, the substantial second-home and holiday-let market driving up coastal premium values, the South East and London inward migration into the rural coastal Dorset and East Devon boundary catchment, and the strong artisan, food and independent retail scene that has settled in the town. Lyme Regis holiday-let yields are among the firmest in western Dorset, which is what supports the consistent investor flow into seafront and harbour-front stock.
Recent work
Our work in Lyme Regis.
Recent Lyme Regis deals include a £325,000 holiday-let acquisition bridge on a two-bed Marine Parade seafront flat, 9 months at 0.85% per month, 70% LTV, exited to a BTL refinance once the let calendar settled at strong summer rates. We also arranged a £465,000 refurbishment bridge on a Broad Street period townhouse with retail at ground floor, 15 months at 1.05% per month, 65% LTV, with £65,000 of sympathetic works to a listed property and exit on owner-occupier sale at uplifted value.
A third recent case funded a £585,000 chain-break bridge on a Pound Road period semi for a London family relocating to the town, regulated, 9 months at 0.65% per month, passed to our regulated partner firm, 70% LTV against the onward property. A fourth deal arranged a £225,000 capital-raise bridge against an unencumbered Mill Green cottage for the borrower's deposit on a further Charmouth acquisition, 55% LTV, 9 months at 0.95% per month. A fifth case funded a £445,000 medium-refurb bridge on a Coombe Street period flat conversion, 12 months at 1.05% per month, 70% LTV, with £55,000 of works and exit on owner-occupier sale.
Land Registry, recent sold prices
Lyme Regis sold-price evidence
The most recent registered transactions across the DT7 postcode area, drawn from HM Land Registry Price Paid Data. Underwriters and valuers work from this evidence on every Lyme Regis bridge we arrange.
DT7 median
£400,000
| Date | Street | Postcode | Type | Sold price |
|---|---|---|---|---|
| Mar 2026 | Fairfield Park | DT7 3DS | Terraced | £277,500 |
| Mar 2026 | Queens Walk | DT7 3BH | Semi-detached | £240,000 |
| Mar 2026 | Colway Lane | DT7 3HE | Flat | £295,000 |
| Mar 2026 | Portland Court | DT7 3NN | Flat | £160,000 |
| Mar 2026 | Broad Street | DT7 3QE | Flat | £435,000 |
| Feb 2026 | Timber Hill | DT7 3HQ | Detached | £950,000 |
Source: HM Land Registry Price Paid Data, last refreshed for the Dorset network in the trailing 24-month window. Bridging facilities are priced against the open-market value at the time of underwriting, not at the historic sold price.
Dorset coverage
Where we work across Dorset.
Lyme Regis sits inside a wider Dorset bridging book. Click any marker to step into another town we cover.
FAQs
Lyme Regis bridging questions
What is the typical Lyme Regis holiday-let bridging structure?
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Six to nine-month bridge at 0.85 to 0.95% per month, 65 to 70% LTV against the purchase or open-market value, underwriting on long-let comparable rent rather than projected short-let income, exit on BTL refinance or sale once the rental position is settled. Lyme Regis carries one of the firmer long-let yields in western Dorset because professional and remote-working tenants compete for the limited year-round rental stock, which makes the BTL refinance side cleanly deliverable. Some specialist holiday-let term lenders take short-let income on the refinance, but the bridge stays on long-let.
Are Cobb-area flats harder to bridge than standard town-centre stock?
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Yes, slightly. The Cobb and Marine Parade frontage carries listed building density, conservation area considerations and the occasional flood-risk overlay that all narrow the lender panel. We use lenders comfortable with these factors, expect a chartered surveyor familiar with Lyme Regis coastal stock, and structure terms to absorb the listed-building consent timetable on any works. Pricing tends to sit at 0.95 to 1.15% per month rather than the standard town-centre 0.85 to 0.95% range, with LTV slightly more conservative at 65% rather than 70%.
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