Led by Matt Lenzie, ex-Lloyds Bank and Bank of Scotland, we arrange commercial mortgages, bridging finance, and development finance for property professionals across Cardiff and South Wales.
Cardiff stands out with above-average yields of 6.5%, making it one of the UK's most attractive commercial property markets for investors.
Direct relationships with executives and board members of the UK's leading lenders
Former Lloyds Bank and Bank of Scotland professionals who understand lender criteria inside-out
Direct relationships with lender decision-makers for faster approvals and better terms
Proven success arranging complex commercial property finance across the UK
“Wales's capital with strongest regional demand. BBC Wales and creative sector growth. Three universities drive student market.”
— CMB Market Analysis
Central Quay; Dumballs Road; Atlantic Wharf
| Property Type | Prime / Grade A | Secondary | Market Range |
|---|---|---|---|
| Office | £35 psf | £14 psf | £14 - £35 psf |
| Retail / Shop | £102 psf | £38 psf | £38 - £102 psf |
| Industrial | £10 psf | £5 psf | £5 - £10 psf |
Market estimates based on Q1 2026 regional benchmarking data. For accurate valuations, contact us for a detailed assessment.
Indicative gross yields. Actual returns depend on property condition, lease terms, and tenant covenant strength.
The Cardiff market shows positive momentum with yields compressing slightly against regional averages.
Prime Office
Waterfront Mixed Use
Major Retail
Entertainment
Industrial
Representative transactions reflecting current market activity. Prices are guide values based on comparable evidence.
Serviced office premises, town centre
Lock-up shop unit, Splott
Industrial workshop with office, Cardiff Bay
11-unit converted residential building, Cathays
Former commercial premises with PP for conversion, Cathays
Shop with maisonette above, town centre
33-bed care home, recently refurbished, Splott
Market estimates based on Q1 2026 regional benchmarking. For accurate valuations, contact us.
3 institutions · 60,000 students
Cardiff operates additional licensing in key areas
Three universities create strong demand. Cathays very high HMO concentration. Canton/Pontcanna emerging for professional HMO.
Founder & Principal Broker
With a career spanning Lloyds Bank, Bank of Scotland, and a partnership in a corporate finance business, Matt brings institutional-grade expertise to every deal in Cardiff. Currently a board advisor to a pension administrator and trustee with £3.9bn of assets under advisory, Matt has raised over £300m of capital for property professionals across the UK.
View Full ProfileCentral Quay, Dumballs Road, and waterfront sites offer opportunities.
Strong appetite for quality assets. Welsh market specialist lenders active.
Broker Notes
Welsh capital with BBC Wales and S4C media hub. Central Square prime office destination. Three universities with 60,000+ students. Cardiff Bay hospitality strong. Central Quay £400m development. Welsh Government presence provides stability.
Our team has extensive experience in Welsh property finance markets.
Cardiff is the capital of Wales with a thriving economy, major sporting venues, and significant regeneration. The commercial property market benefits from strong demand across Financial Services, Technology, Creative Industries sectors, creating diverse occupier interest and reducing single-sector risk. With average yields of 6.5% and 22.8% price growth over five years, Cardiff offers compelling returns for commercial property investors. Excellent connectivity via Cardiff Central mainline supports tenant demand and underpins long-term property values. Ongoing regeneration activity, including Central Quay, further enhances the investment outlook and signals sustained public and private sector confidence.
Competition for quality commercial stock in Cardiff has increased as investor demand spreads beyond core cities. Understanding local planning policies and Section 106 requirements is essential for development-led strategies.
Cardiff's commercial property landscape has been shaped by Central Quay. Growth in the Financial Services sector has driven notable investment activity, with occupier demand supporting new development and refurbishment projects across the area.
The local planning authority for Cardiff operates within South Wales, with policies that support sustainable commercial development and town centre vitality. The local plan identifies key development sites and employment areas, and the council has demonstrated a pragmatic approach to commercial property applications.
Commercial property news for Cardiff will appear here once available. Check back soon for the latest market updates.
We provide commercial mortgages, bridging finance, and development finance throughout South Wales.
Commercial mortgage services available across Cardiff and surrounding areas. View larger map
Office rents in Cardiff range from approximately £14 per square foot for secondary space up to £35 per square foot for Grade A accommodation. Grade B office space, which represents the bulk of the market, typically commands around £19 per square foot. These figures are based on Q1 2026 regional market benchmarking.
Investment yields in Cardiff vary by property type and grade. Current indicative yields are: offices at 5.85%-6.67%, retail at 5.33%-7.61%, industrial at 4.91%-6.89%, residential single-let at 5.45%, HMOs at 8.91%. Prime yields are typically lower, reflecting stronger covenant strength and location quality. Contact us for a detailed yield analysis for your target property type.
Cardiff's commercial property market includes offices, retail units, industrial premises, residential investment blocks, care homes. We arrange finance across all commercial property types, from standard office and retail purchases to specialist assets requiring tailored lending solutions.
Residential investment blocks in Cardiff typically trade at around £156,660 per unit, or approximately £389 per square foot. Blocks of 4-24 units are the most common size bracket for private investors. Yields for single-let apartments average 5.45%, with HMO conversions achieving up to 8.91%. We can arrange commercial mortgages for blocks of 4+ units through specialist BTL lenders.
HMO investments in Cardiff can achieve yields of approximately 8.91%, compared to 5.45% for standard single-let properties. With 3 higher education institutions and approximately 60k students, Cardiff has strong HMO demand. Note that HMO licensing requirements vary by local authority -- check Article 4 directions before purchasing.
Care homes in Cardiff typically trade at around £65,520 per registered bed. A typical 54-bed home would therefore be valued between £1.3m and £3.9m. Care home financing is specialist in nature and we work with lenders who understand the operational and regulatory requirements of the sector.