Swansea, South Wales

Commercial Mortgages & Property Finance in Swansea

Swansea is Wales's second city with significant waterfront regeneration and competitive property values. The city offers property finance opportunities with yield premium compared to Cardiff.

City CentreSA1 WaterfrontMarinaUplandsMumblesMorriston
£145
Avg Price/sq ft
7.5%
Average Yield
+24.5%
5yr Price Growth
+16.8%
5yr Rental Growth

Swansea Local Market Intelligence

Major city centre and waterfront regeneration ongoing. University drives strong student market. Values offer yield premium over Cardiff.

— CMB Market Analysis

Key Industries

  • Healthcare
  • Higher Education
  • Technology
  • Manufacturing
  • Tourism

Transport Links

  • Swansea rail station
  • M4 motorway

Regeneration

Swansea Central; SA1 Waterfront; city centre transformation

Commercial Mortgages in Swansea

Whether you're acquiring office space, retail units, or industrial property in Swansea, 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 Swansea 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 Swansea

When speed matters for your Swansea 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 Swansea

For developers building in Swansea, 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 Swansea for Commercial Property Investment

Lender Appetite

Good appetite for quality schemes. Student accommodation and residential favoured.

Latest Commercial Property News in Swansea

Commercial property news for Swansea 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 Swansea Property Finance

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