Editorial

Cardiff Commercial Mortgage Insights

Market intelligence, lender-desk updates and rate commentary for Cardiff commercial property owners, investors and trading businesses.

Latest

Published reads

2 pieces

Market Read

The Cardiff commercial property market in 2026

A working read on the Cardiff commercial property market at mid-2026. The Central Square office regen (BBC Cymru Wales, HMRC, Cardiff School of Journalism). The Capital Quarter Tyndall Street story (A...

12 May 2026Read →

Market Update

Commercial mortgage rates in Cardiff: what to expect for the rest of 2026

A view on where Cardiff commercial mortgage pricing sits at mid-2026 and where it is likely to land by year-end. Owner-occupier 6.0-7.5% pa, commercial investment 6.5-8.5%, semi-commercial up to 8.5%,...

10 May 2026Read →

In preparation

In the pipeline

Briefings we are working on across Cardiff. Outlines available now, full pieces shipping through the editorial calendar. Send a topic suggestion to enquiries@commercialmortgagescardiff.co.uk.

Guide · Draft

Owner-occupier vs commercial investment mortgage: which one do you need?

The single most common mistake we see on Cardiff commercial mortgage enquiries is the wrong product applied for. An owner-occupier wanting a freehold for the business is not the sa...

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Guide · Draft

How DSCR and ICR actually work, explained with real Cardiff examples

Every lender quote on a commercial investment mortgage tests one of two cover ratios, ICR (interest cover ratio) or DSCR (debt-service coverage ratio). Get the test wrong and the o...

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Sector Analysis · Draft

Care home commercial mortgages in Cardiff: CIW ratings, lender appetite and what actually funds

Cardiff and the wider Cardiff Capital Region footprint hold a well-established care-home cluster, with the Heath / Llanishen / Llandaff CF14 / CF5 / CF23 corridor carrying the stro...

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Sector Analysis · Draft

Pub freehold purchase in Cardiff: barrelage, EBITDA and the specialist lender desks

Buying a pub freehold is one of the most specialist commercial mortgages on the panel. Lenders test barrelage, beer-tie status, food-to-wet revenue split, license type, the operato...

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Sector Analysis · Draft

Semi-commercial mortgage on a Cardiff shop-with-flat: the FCA twist most brokers miss

The classic Cardiff semi-commercial archetype, ground-floor retail with one or two flats above, on Pontcanna Street CF11, Wellfield Road CF24 in Roath, Whitchurch Road CF14 through...

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Guide · Draft

Portfolio refinance in Cardiff: when to consolidate and when to leave individual mortgages alone

If you hold five or more commercial investment assets across Cardiff and the wider Capital Region, the question of whether to consolidate into a single portfolio facility or keep i...

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Tax & Structure · Draft

Land Transaction Tax on commercial property in Cardiff: the 2026 picture and what is changing

Cardiff is in Wales, so commercial property purchases here are subject to Land Transaction Tax (LTT) administered by the Welsh Revenue Authority, not the Stamp Duty Land Tax (SDLT)...

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Tax & Structure · Draft

Limited company structure for commercial mortgage investment: SPV, group company or trading company?

Most commercial investment mortgages in Cardiff are written into limited companies, but the question of whether to use a clean special-purpose vehicle (SPV), a group holding struct...

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Guide · Draft

Commercial bridging in Cardiff: when it is the right answer, and when it absolutely is not

Commercial bridging at 0.75 to 1.10% per month is meaningfully more expensive than term commercial mortgage debt at 6.5 to 8.5% pa, but for the right case it is the right answer. V...

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