Mortgage guide
Commercial Mortgages Wales
Wales is home to a thriving commercial property market, with strong demand across Cardiff, Newport, Swansea, and beyond.
- Published
- 4 Aug 2026
- Last reviewed
- 4 Aug 2026
- Reading time
- 2 min
Commercial Mortgages Wales
Wales is home to a thriving commercial property market, with strong demand across Cardiff, Newport, Swansea, and beyond. We offer expert support with every type of c ommercial mortgage Wales and wide, helping business owners, investors, and developers secure tailored finance for offices, restaurants, pubs, and hotel mortgages. As a trusted c ommercial mortgage broker Cardiff, we work with leading lenders to deliver the best commercial mortgage Cardiff deals, whether you need a small commercial mortgage Cardiff or full-scale development funding. We specialise in commercial mortgages Cardiff, commercial mortgage Newport, and commercial mortgages Swansea, along with s emi-commercial mortgage Cardiff and commercial BTL mortgage Wales solutions. Our team also includes commercial mortgage broker Wales specialists, commercial mortgage brokers in S outh Wales, and experts in commercial mortgage brokers property development finance Cardiff. From commercial mortgage Cardiff r ates to c ommercial buy to let mortgage brokers Cardiff, we’re here to help you move forward with confidence.
Commercial mortgage calculator
Choose owner occupier for a business buying or refinancing premises it trades from, assessed on adjusted net profit before tax from the latest accounts, or investment for property let to tenants, assessed on lease income.
Commercial mortgage criteria
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Criteria | Detail |
|---|---|
| Max Loan to Value (LTV) | 80% LTV Care Home Mortgages, 100% LTV Medical Commercial Mortgages, 75% Commercial Investment |
| Max Term | Up to 40 years |
| Completions | From 4 weeks |
| Repayment options | Capital repayment and Interest only |
| Commercial mortgage rates | From 6.19% |
| Rate options | Variable, Base Rate Tracker, 2, 3 or 5 year fixed mortgage options |
| Valuation methods | Going concern/Investment (Market value 1, MV1), MV2, MV3 or bricks and mortar |
| Flexible Leases | Rolling leases, weak covenants and short time remaining accepted |
| Adverse credit | Accepted on some products on a case by case basis |
| Locations | Available in England, Scotland, Wales and Northern Ireland |
| Experience | Not required on certain products |
For context, these are the wider product terms covered by this guide. Availability and eligibility depend on your circumstances and the lender.
| Feature | Detail |
|---|---|
| Max Loan to Value (LTV) | 65% |
| Product fee | 5% (4.74% for existing customers) |
| Fixed rate (5 years) | 6.34% |
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Frequently asked questions
Are bridging loans in Wales available for commercial property?
Yes, bridging loans in Wales are available for commercial property, including offices, retail units, warehouses, mixed-use buildings, and land. Commercial bridging loans in Cardiff are unregulated by the Financial Conduct Authority (FCA) and are assessed on the security value and exit strategy rather than on business income alone, which can make them faster to arrange than standard commercial mortgages.
Can you get a 90% commercial mortgage?
Yes, 90% loan-to-value commercial mortgages are possible, but only in limited sectors such as healthcare properties, pharmacies, or certain convenience stores with strong trading history. For most other commercial properties, maximum lending is typically capped at around 70% to 75% LTV.
What is a commercial mortgage?
A commercial mortgage is an asset-backed loan secured against commercial, semi-commercial or large-scale investment property. Lenders assess it on income sustainability and asset risk rather than personal income multiples, and pricing is set case by case, usually as a margin over Bank Rate.
What is commercial lending?
Commercial lending refers to loans secured against property used for business purposes, such as offices, retail units, or industrial premises. Terms, rates, and deposits are individually assessed and typically differ from residential mortgages.
What is a commercial bridge?
A commercial bridge is a short-term, property-backed loan used to purchase, refinance, or stabilise commercial or mixed-use property when a standard commercial mortgage is not immediately available. It is exit-driven, typically runs for 3-12 months, uses rolled-up interest, and is repaid through sale or refinance rather than ongoing affordability.
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