Commercial Mortgages Cardiff
Rumney Cardiff high street with evening traffic and lights

Commercial Mortgages Rumney and Llanrumney

Rumney and Llanrumney (CF3) cover Cardiff's outer east residential and light-industrial belt along the Newport Road A48 corridor, Rumney village anchors the local retail core, the A48 distribution corridor links to Cardiff Gate at M4 J30, and the outer terraced housing belt runs through to the Newport boundary. We arrange secondary-retail semi-commercial on Newport Road, light-industrial owner-occupier on the A48 corridor and convenience-retail investment across the corridor.

6 active commercial property listings currently tracked in Rumney and Llanrumney.

The Rumney and Llanrumney commercial property market

Rumney (CF3) sits east of Splott along the Newport Road A48 corridor, with Rumney village anchoring the local retail core and Llanrumney extending east towards the Newport boundary. The A48 distribution corridor links east through to M4 J30 at Cardiff Gate and Wentloog, with light-industrial and convenience-retail stock running the length. Rumney and Llanrumney are value-end outer east Cardiff and the commercial mortgage flow sits at the lower-value tier of CF3, with convenience-retail and secondary parade dominating the deep-volume zone.

Commercial mortgage flow splits three ways. Secondary-retail semi-commercial on Newport Road and Rumney village routes through InterBay Commercial, Together, Hampshire Trust Bank and Aldermore at 75% LTV. Light-industrial owner-occupier on the A48 corridor routes through Allica, HTB and YBS Commercial at 70 to 75% LTV and 6.0 to 7.5% pa. Convenience-retail and small parade investment routes through standard small-cap desks plus InterBay Commercial.

HM Land Registry residential transactions across CF3 reflect value-end family-buyer demand. Used as a market-temperature signal they confirm Rumney and Llanrumney continue to absorb supply at value-end prices, which underwrites the convenience-retail and small parade income stream on the corridor. The Renting Homes (Wales) Act 2016 applies on the residential portion of every semi-commercial deal. Land Transaction Tax applies at the commercial rates in Wales on every freehold commercial purchase.

Recent commercial planning activity in Rumney and Llanrumney (CF3)

The Newport Road corridor industrial expansion (Ref 25/02345/MJR) at Rumney CF3 4HU covers new Class B2 / B8 industrial accommodation supporting outer Cardiff logistics and the M4 J30 fringe, the canonical Rumney CF3 light-industrial mortgage candidate the day the operator takes the freehold or a let stock investor refinances post-stabilisation. The Splott and Tremorfa industrial pipeline (covered on its own page) sits immediately west and feeds the broader CF3 / CF24 industrial flow. Land Transaction Tax applies at the commercial rates on each acquisition; refinancing is unaffected.

Active commercial property types in Rumney and Llanrumney

Newport Road A48 secondary retail

Convenience retail with AST flat above.

£200K-£500K facility

Rumney village parade

Local independent retail and small parades.

£200K-£600K

A48 corridor light-industrial

B2 / B8 owner-occupier on the Newport Road spine.

£250K-£1.5M

Llanrumney convenience retail

Outer east Cardiff convenience and local retail.

£150K-£450K

Newport Road trade-counter

Trade-counter retail and small B8 industrial.

£250K-£900K

A48 used-car cluster

Forecourt and used-car automotive freehold.

£300K-£1.2M

Commercial mortgage products active in Rumney and Llanrumney

Secondary-retail semi-commercial via semi-commercial mortgage. Light-industrial owner-occupier via owner-occupier mortgage. Convenience-retail and small parade investment via commercial investment. Refinancing maturing semi-commercial and owner-occupier facilities is the largest single 2026 use case.

Owner-occupier

Businesses buying their trading premises, EBITDA cover at 1.3-1.5x, LTV to 75% on bricks.

Commercial investment

Let assets, ICR at 140-160% stressed, LTV typically 65-75%.

Semi-commercial

Shop+flat archetypes, blended ICR ~145%, LTVs to 75% via specialists.

Bridge-to-let

Vacant or value-add acquisitions with refurb / re-let exit onto term mortgage.

Refinancing

Maturing facilities, equity release on stabilised commercial assets, rate-driven switches.

Lender appetite for Rumney and Llanrumney secondary-retail and light-industrial stock

Secondary-retail semi-commercial strong via InterBay Commercial, Together, Hampshire Trust Bank and Aldermore at 75% LTV. Light-industrial owner-occupier via Allica, HTB and YBS Commercial at 70 to 75% LTV and 6.0 to 7.5% pa. Convenience-retail investment via mainstream small-cap desks plus Cynergy Bank on mid-market stock. Hodge Bank (Cardiff-HQ commercial specialist) covers Welsh-resident borrower mid-market deals. Commercial mortgages are unregulated lending and fall outside the FCA's regulated mortgage perimeter, we do not hold FCA authorisation because the products we arrange are unregulated.

Property types we finance in Rumney and Llanrumney

Asset classes most active in Rumney and Llanrumney, each linked to the dedicated finance structure, lender appetite and typical terms for that property type.

Semi-commercial

Semi-Commercial

LTV: 70 to 75%

Industrial & warehouse

Industrial & Warehouse

LTV: 70 to 75%

Retail

Retail

Investment LTV: 65 to 75%

MOT, garage & petrol

MOT, Garage & Petrol Forecourt

LTV: 60 to 70%

Mixed-use

Mixed-Use

LTV: 65 to 75%

Rumney and Llanrumney sold-price data

Live HM Land Registry transaction data for the Rumney and Llanrumney local authority area. Use this as market evidence when appraising your scheme or testing GDV assumptions.

Median price

£265K

+0.7% YoY

Transactions (12m)

3,245

Completed sales

New-build share

2.3%

74 new-build sales

New-build premium

+71.6%

vs existing stock

Median price by property type

Detached

£455K

Semi-detached

£300K

Terraced

£260K

Flat / Apartment

£163K

Recent transactions

DatePostcodeAddressTypePrice
25 Feb 2026CF11 7FD35, SEAGER DRIVEFlat / Apartment£138K
23 Feb 2026CF14 2HR38, CORNELLY STREETTerraced£258K
20 Feb 2026CF11 9EB42, SEVERN ROADTerraced£470K
20 Feb 2026CF24 4GF61, PEN Y WAIN ROADTerraced£145K
20 Feb 2026CF24 3EB2, LILY STREETTerraced£250K
20 Feb 2026CF14 0NEFLAT 2, FIDLAS HOUSE, FIDLAS ROADFlat / Apartment£260K
20 Feb 2026CF11 8DD26, BROADACRESSemi-detached£380K
20 Feb 2026CF3 0RJ8, GREAT BURNET CLOSESemi-detached£225K

Source: HM Land Registry Price Paid Data, Cardiff Council. Updated 27 Apr 2026.

Rumney and Llanrumney commercial mortgage FAQs

Up to 75% LTV via InterBay Commercial, Together or Hampshire Trust Bank for shop-with-flat archetypes. Blended ICR around 145% on combined commercial rent and AST income. Rumney village pricing is value-end relative to inner Cardiff but yields are stronger.
Allica, HTB and YBS Commercial all run active owner-occupier programmes on the A48 corridor. Typical 70 to 75% LTV at 6.0 to 7.5% pa. The Newport Road consent (Ref 25/02345/MJR) signals continued B2 / B8 industrial expansion along the corridor.
Allica, Shawbrook and Together cover automotive forecourt freehold. Typical 60 to 70% LTV at 7.0 to 8.5% pa on trading EBITDA. The Newport Road used-car cluster is one of the deepest in east Cardiff.
The A48 distribution corridor links Rumney through to Cardiff Gate at M4 J30 and the Wentloog corporate industrial belt. Strong tenant covenant on let stock and stable demand from local logistics operators underwrites rental income. Lender appetite materially deepens as deals move east towards Cardiff Gate.

Other Cardiff Areas We Cover

Cardiff City Centre and Capital Quarter

24 active listings

Central Square

18 active listings

Cardiff Bay and Mermaid Quay

22 active listings

Cathays and Roath

12 active listings

Pontcanna and Canton

9 active listings

Splott and Tremorfa

10 active listings

Buying or refinancing in Rumney and Llanrumney?

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