Commercial Mortgages in Cardiff
CoreFi arranges commercial mortgages for Cardiff businesses and property investors buying or refinancing offices, industrial units, retail and mixed-use premises. We are a broker, not a lender, and search a whole-of-market panel to match your property and trading profile to the right funder. The lender decides on funding and terms, and all figures are illustrative only.
A commercial mortgage is longer-term finance secured on business premises or an investment property, used to buy, refinance or release equity from offices, industrial units, shops and mixed-use buildings. In Cardiff that spans owner-occupiers buying their own base, from a professional practice taking space near Central Square to a workshop out at Splott, and investors holding let commercial stock across the city and the bay.
CoreFi arranges commercial mortgages as a broker; we do not lend. Appetite, loan-to-value and pricing vary widely between funders by property type, tenant strength and the borrower's trading history, and the right lender for an owner-occupier deal is often not the right one for an investment purchase. We look across a whole-of-market panel to find funders likely to back your Cardiff property on sensible terms, then package the case. The lender always makes the final decision on whether to lend and at what price, and any rates or loan-to-value figures we mention are indicative and illustrative only.
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Tell us about the property and the purpose
Share the building, whether it is for your own occupation or as an investment, the tenants and leases if let, and whether you are buying, refinancing or releasing equity, from a Central Square office to an industrial unit near the port. We assess how it is likely to present.
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We match it to the right lenders
We search a whole-of-market panel for funders whose appetite fits the property type, the borrower and the ticket, then package trading accounts and property details the way lenders expect. Any rate or loan-to-value figure is illustrative only until a lender offers.
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You compare terms and proceed
We explain the options, the loan-to-value and the trade-offs in plain terms and support you through valuation and legals. The lender decides whether to lend and at what price, then we help you through to completion.
Owner-occupier mortgages for Cardiff businesses buying their premises
Many Cardiff firms reach a point where buying their premises makes more sense than renting: an accountancy or law practice taking offices around Cardiff Bay or the city centre, a trade or light manufacturer buying a unit on the industrial estates near Splott, Tremorfa or the port, or a hospitality operator securing a site near the Principality Stadium. An owner-occupier commercial mortgage funds that purchase against the property and the strength of the trading business behind it. Lenders look closely at affordability from trading profits as well as the building itself. We help Cardiff owner-occupiers present trading accounts and the property clearly, and match the case to funders on a whole-of-market panel whose criteria fit the sector and the ticket. The lender assesses affordability and sets the terms.
Investment mortgages across Cardiff's commercial property market
Cardiff has an active investment market in commercial property, from offices around Central Square, Callaghan Square and the older city cores to retail on the main shopping pitches and district parades, industrial and warehouse stock near the port, and mixed-use blocks with commercial at ground level and flats above across areas like Roath and Grangetown. Investment commercial mortgages are underwritten largely on the rental income and the quality and length of the tenancies, so a well-let office with a strong covenant reads very differently to a vacant or short-let retail unit. We help Cardiff investors match the property, the tenants and the leases to funders on a whole-of-market panel with genuine appetite for that asset class. The lender decides on loan-to-value, pricing and terms.
Refinancing, releasing equity and mixed-use in the city
Not every commercial mortgage is a purchase. Cardiff owners and investors often refinance to move off an expensive facility, exit a bridge onto longer-term finance once a scheme is let, or release equity from a building to fund the next move. Mixed-use property is common across the city, from shops with flats above on the arterial roads to converted commercial buildings near the bay, and it needs a lender comfortable with both the commercial and residential elements. We look across a whole-of-market panel to match the structure to how the property actually earns and how the borrower is set up, whether that is a trading company or an investment SPV. As a broker we arrange the facility only; the lender assesses it and sets the final terms.
Frequently asked questions
What is the difference between an owner-occupier and an investment commercial mortgage?
An owner-occupier mortgage funds premises your business trades from and is underwritten heavily on trading affordability. An investment mortgage funds a property you let out and is underwritten mainly on the rent and tenancies. We match each type to suitable Cardiff funders on a whole-of-market panel, and the lender decides.
What kinds of Cardiff property can you arrange a commercial mortgage on?
Offices, industrial and warehouse units, retail, hospitality premises and mixed-use buildings across Cardiff and the wider area. Appetite varies by property type, tenant strength and location, so we match the case to funders whose criteria fit. The lender confirms whether it will lend.
How much can I borrow against a Cardiff commercial property?
Loan-to-value depends on the property type, the tenancies or trading affordability and the lender, and is set case by case. Any loan-to-value or rate figure we discuss is indicative and illustrative only until a lender formally offers. The lender sets the final leverage and pricing.
Does CoreFi lend the money itself?
No. CoreFi is a broker, not a lender. We arrange commercial mortgages by matching your Cardiff property to funders across a whole-of-market panel, and the lender makes the final decision on funding, loan-to-value and terms. All figures we discuss are indicative only.
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Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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