Caerphilly, Wales

Commercial Mortgages & Property Finance in Caerphilly

Caerphilly is a Valleys town dominated by its magnificent castle, the largest in Wales and second-largest in Britain (after Windsor). The town has grown into a significant commuter base for Cardiff (8 miles) with regular rail services and the A468/A469 road corridor. Caerphilly cheese, originated here, remains an iconic Welsh product.

Caerphilly Town CentreCaerphilly CastleBedwasRiscaBlackwood
£95
Avg Price/sq ft
6.2%
Average Yield
+14.5%
5yr Price Growth
+11%
5yr Rental Growth

Caerphilly Local Market Intelligence

Famous castle tourism draw. Strong Cardiff commuter links. Growing professional services.

— CMB Market Analysis

Key Industries

  • Retail
  • Manufacturing
  • Professional Services
  • Tourism (Castle)
  • Healthcare

Transport Links

  • Transport for Wales to Cardiff (20 mins)
  • A468 to Newport/M4
  • A469 to A470/Cardiff
  • A472 to Ystrad Mynach/Blackwood

Regeneration

Caerphilly town centre regeneration; castle quarter improvements; Caerphilly Basin development; Ness Tar housing; Virginia Park; Penrhos and Hendredenny housing; Pwll-y-Pant interchange

Commercial Mortgages in Caerphilly

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

When speed matters for your Caerphilly 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 Caerphilly

For developers building in Caerphilly, 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 Caerphilly for Commercial Property Investment

Lender Appetite

Good appetite for quality properties.

Latest Commercial Property News in Caerphilly

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

Calculate Your Caerphilly Property Finance

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