Caernarfon, Wales

Commercial Mortgages & Property Finance in Caernarfon

Caernarfon is a historic town in Gwynedd dominated by its UNESCO World Heritage castle, built by Edward I as the grandest in his 'Iron Ring' of Welsh fortifications. The town is the cultural capital of Welsh-speaking Wales, a heartland of the Welsh language, and serves as the administrative centre for Gwynedd Council. The Menai Strait and Snowdonia provide a dramatic backdrop.

Caernarfon Town CentreCaernarfon CastleVictoria DockCoed HelenBontnewydd
£100
Avg Price/sq ft
6%
Average Yield
+14.5%
5yr Price Growth
+11%
5yr Rental Growth

Caernarfon Local Market Intelligence

UNESCO World Heritage castle. Welsh language heartland. Strong tourism and heritage.

— CMB Market Analysis

Key Industries

  • Tourism & Heritage (UNESCO Castle)
  • Public Administration
  • Agriculture
  • Retail
  • Welsh Language & Culture

Transport Links

  • A487 to Bangor/Porthmadog
  • A4086 to Snowdon/Llanberis
  • Welsh Highland Railway to Porthmadog
  • Menai Strait waterfront

Regeneration

Caernarfon town centre regeneration; castle and waterfront enhancement; Slate Landscape UNESCO World Heritage connection; Doc Fictoria creative quarter; Llanbeblig housing; Victoria Dock

Commercial Mortgages in Caernarfon

Whether you're acquiring office space, retail units, or industrial property in Caernarfon, 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 Wales, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the Caernarfon 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 Caernarfon

When speed matters for your Caernarfon 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 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 Caernarfon

For developers building in Caernarfon, 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 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 Wales

Why Caernarfon for Commercial Property Investment

Lender Appetite

Good appetite for tourism properties.

Latest Commercial Property News in Caernarfon

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

Calculate Your Caernarfon Property Finance

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