Cardiff, South Wales

Commercial Mortgages in Cardiff

Cardiff is the Welsh capital with strong financial and creative sectors. Major regeneration around Cardiff Bay drives commercial demand.

Cardiff City CentreCardiff BaySt David'sCapitol QuarterCathays
£195
Avg Price/sq ft
6.2%
Average Yield
+18.5%
5yr Price Growth
+12.5%
5yr Rental Growth

Cardiff Commercial Property Market

BBC Wales and S4C creating media cluster. Central Square prime office destination. Bay hospitality and leisure strong. St David's anchor retail.

— CMB Market Analysis

Key Industries

  • Financial Services
  • Media
  • Technology
  • Public Sector
  • Creative Industries

Transport Links

  • Cardiff Central station
  • Cardiff Airport
  • M4 motorway
  • City Line rail

Lender Outlook

Good appetite with Welsh capital credentials. Media and tech uses favoured.

Regeneration

Central Quay, Dumballs Road, Central Square, Atlantic Wharf

Property Finance Services in Cardiff

We offer a complete range of property finance solutions for investors and developers in Cardiff and across South Wales.

Development Finance

Specialist funding for ground-up construction and major refurbishment projects, providing flexible financing solutions for property developers.

From £150,000Up to 75% LTV
Development Finance in Cardiff

Commercial Bridging

Fast, flexible short-term finance for commercial property transactions with decisions in as little as 48 hours and completion within days.

From £50,000Up to 75% LTV
Commercial Bridging in Cardiff

HMO Finance

Specialist mortgages for Houses in Multiple Occupation, designed for landlords maximizing rental yields through multi-tenant properties.

From £50,000Up to 85% LTV
HMO Finance in Cardiff

Mezzanine Finance

Second charge lending that sits behind your primary mortgage, unlocking additional equity for property investment and development projects.

From £25,000Up to 90% LTV
Mezzanine Finance in Cardiff

Buy-to-Let

Residential investment property mortgages for individual landlords and portfolio investors, with products tailored to your investment strategy.

From £25,000Up to 80% LTV
Buy-to-Let in Cardiff

Commercial Mortgages

Long-term financing for commercial property purchases and refinancing, supporting business premises and investment property acquisitions.

From £50,000Up to 70% LTV
Commercial Mortgages in Cardiff

Bridging Finance

Fast, flexible short-term secured loans for property purchases, auction acquisitions, and chain breaks with funds available in days.

From £25,000Up to 80% LTV
Bridging Finance in Cardiff

Stretched Senior

Enhanced senior debt facilities offering higher leverage than standard development finance, reducing equity requirements for experienced developers.

From £500,000Up to 75% LTV
Stretched Senior in Cardiff

JV Equity

Joint venture equity partnerships providing development capital in exchange for profit share, ideal for developers seeking to scale without traditional debt.

From £1,000,000Up to 90% LTV
JV Equity in Cardiff

Development Exit Finance

Refinancing solutions for completed developments, replacing construction finance while units are sold or let, with lower rates than development loans.

From £250,000Up to 75% LTV
Development Exit Finance in Cardiff

Why Choose CMB for Property Finance in Cardiff?

Local Market Knowledge

We understand the Cardiff property market and local lender appetite

Fast Turnaround

Decisions in as little as 48 hours, completion in days when needed

Competitive Rates

Access to exclusive rates from our panel of specialist lenders

Full Support

Expert guidance from application through to completion

Also Serving Across South Wales

We provide property finance solutions throughout South Wales.

Commercial Finance Across the UK

We provide property finance solutions in major cities throughout England.

Calculate Your Cardiff Property Finance

Use our interactive calculators to get instant estimates for your property finance needs.