Cardiff, South Wales

Commercial Mortgages & Property Finance in Cardiff

Cardiff is the capital of Wales with a thriving economy, major sporting venues, and significant regeneration. The city offers excellent property finance opportunities as the principal Welsh market.

City CentreCardiff BayCantonCathaysRoathSplott
£205
Avg Price/sq ft
6.5%
Average Yield
+22.8%
5yr Price Growth
+15.5%
5yr Rental Growth

Cardiff Local Market Intelligence

Wales's capital with strongest regional demand. BBC Wales and creative sector growth. Three universities drive student market.

— CMB Market Analysis

Key Industries

  • Financial Services
  • Technology
  • Creative Industries
  • Higher Education
  • Healthcare
  • Government

Transport Links

  • Cardiff Central mainline
  • Cardiff Airport
  • M4 motorway

Regeneration

Central Quay; Dumballs Road; Atlantic Wharf

Commercial Mortgages in Cardiff

Whether you're acquiring office space, retail units, or industrial property in Cardiff, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across South Wales, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Cardiff commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in Cardiff

When speed matters for your Cardiff property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across South Wales, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in Cardiff

For developers building in Cardiff, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across South Wales. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across South Wales

Why Cardiff for Commercial Property Investment

Investment Highlights

  • Welsh capital
  • Strong student market
  • Growing tech sector
  • Major sporting venues

Development Opportunities

Central Quay, Dumballs Road, and waterfront sites offer opportunities.

Lender Appetite

Strong appetite for quality assets. Welsh market specialist lenders active.

Property Types We Finance

Grade A OfficeBuild-to-RentIndustrialRetailStudent AccommodationMixed-Use

Our team has extensive experience in Welsh property finance markets.

Latest Commercial Property News in Cardiff

Commercial property news for Cardiff will appear here once available. Check back soon for the latest market updates.

Also Serving Across South Wales

We provide commercial mortgages, bridging finance, and development finance throughout South Wales.

Commercial Finance Across the UK

Calculate Your Cardiff Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.