Learn about owner-occupied and investment commercial mortgages serving Cardiff and Wales businesses. Matching begins after you apply; a soft credit check may be used for matching.
Rates
From 4.5% p.a.
Owner-occupied or investment
Amounts
£100k - £10M+
Speed
6-12 weeks
Cardiff
22k
businesses
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
A commercial mortgage is a long-term loan secured against commercial property, offices, shops, warehouses, pubs, hotels, industrial units, or mixed-use buildings. Terms are typically 5-25 years with rates from 4.5% per annum.
You apply with details of the property, your business, and the purpose (purchase, refinance, or development). The lender values the property, assesses your business, and if approved, releases funds through your solicitor. The process typically takes 6-12 weeks from application to completion.
Your business operates from the property. Up to 80% LTV. Rates from 4.5%. Business income supports the mortgage.
Buying to let to tenants. Up to 75% LTV. Rates from 5.0%. Rental income must cover 125%+ of mortgage payments.
Replace an existing mortgage with a better rate or release equity. Up to 70% LTV. Rates from 4.5%.
Borrow £500,000 at 5.5% over 20 years. Monthly repayment: ~£3,440. Total repayable: ~£825,600. Your rate depends on your circumstances.
Ready to compare commercial mortgages in Cardiff?
For UK limited companies with 3+ months’ trading and monthly revenue.
Cardiff is the capital and largest city of Wales, functioning as the country's administrative, financial, and cultural centre, with a large public sector presence complemented by growing financial and professional services firms. The city's media and creative sector is significant, anchored by BBC Wales, S4C, and a cluster of independent production companies that benefit from Wales' strong TV and film tax credits, making Cardiff Bay an established media hub. Cardiff's economy has diversified strongly over the past decade, with Cardiff Business District attracting major financial services employers including Legal & General, Admiral Group, and Zurich Insurance. With 22k registered businesses across Wales, Cardiff has strong demand for competitive commercial mortgages.
Funding availability depends on the business and finance required in the Wales area. Whether your Cardiff business needs offices and serviced offices or retail shops and high street premises, lenders assess each application individually.
Several specialist lenders on our panel work with Cardiff businesses that have imperfect credit histories. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender. Check your options when you apply.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Explore FundingFor UK limited companies with at least 3 months’ trading and monthly revenue.