Commercial mortgages Cardiff: buying and refinancing Cardiff premises
Commercial mortgages in Cardiff fund the purchase or refinance of business premises, from a shop or office to a warehouse, care home or mixed-use building. This page sets out what is specific to Cardiff: the local business figures, the public funding open to you and which lenders on our panel cover your postcode.
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- Enterprises (ONS 2026)
- 12,120
- Under 10 staff
- 86.6%
- Top sector: health and social care
- 15.0% of jobs
- Regional fund (BBB)
- IFW
- Property tax
- LTT
On this page
Where commercial mortgages fits the Cardiff economy
The premises-led sectors that use commercial mortgages most account for 32.6% of employee jobs (2024) in Cardiff: hotels, restaurants and food service (7.0%), wholesale, retail and motor trades (10.6%) and health and social care (15.0%). Great Britain: 35.7% (Nomis labour market profile: Cardiff).
| Sector | Cardiff share | Cardiff jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Hotels, restaurants and food service | 7.0% | about 15,900 | 7.8% | 0.90 |
| Wholesale, retail and motor trades | 10.6% | about 24,100 | 13.7% | 0.77 |
| Health and social care | 15.0% | about 34,000 | 14.2% | 1.06 |
Health and social care is the stand-out here at 1.06 times the national share. Care homes and clinics are valued on their trade as well as their bricks (care home finance).
Against its nearest neighbours in our data, those sectors are 32.6% of Cardiff jobs, compared with 32.6% in Bristol and 36.5% in Birmingham.
Buying premises in Cardiff: Land Transaction Tax
Commercial property in Cardiff is taxed under Land Transaction Tax, set by the Welsh Government, not Stamp Duty. Non-residential LTT starts at £225,000, then 1% to £250,000, 5% to £1 million and 6% above. A £400,000 purchase carries £7,750 of LTT and a £1,200,000 one £49,750. The Development Bank of Wales, wholly owned by the Welsh Ministers, also lends £1,000 to £10 million to businesses based in Wales, so it is worth knowing about alongside the banks and specialist lenders we compare.
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Commercial mortgages near Cardiff
Straight-line distances from Cardiff:
- Commercial mortgages Bristol (25 miles)
- Commercial mortgages Birmingham (90 miles)
- Commercial mortgages London (130 miles)
- Commercial mortgages Liverpool (135 miles)
Lenders on our panel that cover Cardiff
No commercial mortgage provider in our panel data (10 in all) excludes CF postcodes, so a Cardiff business is compared against all of them.
Free business support in Cardiff
If you are moving or expanding, Business Wales can point you to free advice and any local programmes for Cardiff businesses taking on premises.
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- Independent brokerSmart Funding Solutions is an independent broker, not a lender.
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- Support from start to finishOur experts handle the process from start to finish.
Sources
Every figure above comes from one of these, checked on 18 October 2026. Lender coverage is from the criteria held for each lender on our panel.
We are a credit broker, not a lender. Fees depend on the lender, and there is nothing to pay upfront. This page is general information, not financial advice. Lenders set their own criteria, rates and terms, and all finance is subject to status.
Common questions
Does a CF postcode change commercial mortgages terms?
Not in our panel data: 10 commercial mortgage providers, none of which exclude CF. Providers look at the building, its valuation and the trading business that will repay.
What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
Why businesses choose Smart Funding Solutions
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Our clients say
Trusted by UK businesses across every sector.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
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