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Cardiff Bay, Cardiff
Bridging Finance
in Cardiff Bay
Expert bridging finance for property developers in Cardiff Bay. We connect you with competitive funding from our panel of 100+ lenders.
Cardiff Bay, Cardiff
Bridging Finance
in Cardiff Bay.
Live market data
Cardiff Bay
market snapshot.
HM Land Registry sold-price data for Cardiff Bay over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £265,000
- Sales (12m)
- 3,566
- YoY change
- Flat
- Pipeline units
- 829
- Pipeline GDV
- £200.8M
Planning pipeline
Planning activity
in Cardiff Bay.
137 residential applications awaiting decision
·244 units in pipeline·£61.3M estimated GDVCurrent Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01110/FUL | Proposed replacement first and second floor windows and doors. 36 Park Place Cathays Cardiff CF10 3BB | - | - | Pending | |
| 26/01102/FUL | Removal of existing jetwash and valeting bays and the erection of jet wash bays,… Morrisons Petrol Station Wm Morrisons International Drive Grangetown Cardiff CF11 0JP | - | - | Pending | |
| 26/01106/VAR | Change of use from shop (use class A1) to office (use class B1). (Approved 20 Ja… 15 Churchill Way Cathays Cardiff CF10 2HD | - | - | Pending | |
| 26/01090/CLEUD | Use of the property as a C4 House in Multiple Occupation (HMO). 73 Mackintosh Place Roath Cardiff CF24 4RL | - | - | Pending | |
| 26/01121/VAR | Variation of condition 2 of 17/00211/MNR to allow substitution of approved plans… 2 Diana Street Roath Cardiff CF24 4TS | - | - | Pending |
Deal intelligence
Key schemes
in Cardiff Bay.
Indicative appraisals of the largest residential schemes in the Cardiff Bay planning pipeline (all currently awaiting decision). These 3 schemes represent an estimated £53.8M in combined GDV across 200 units, with indicative capital stacks for each.
Major Residential Development Awaiting decision
Parcel 2C, Plasdwr Land South Of Llantrisant Road Cardiff
£51.2M
Estimated GDV
Units
184
GDV / Unit
£278k
Build Cost (Range)
£23.1M–£29.4M
Residual Land Value
Tight
GDV estimated from the HM Land Registry blended median of £265,000 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £51.2M |
| Construction (12,512 sqm @ £2,100/sqm mid) | −£26.3M |
| Externals, fees & contingency | −£7.7M |
| Finance (65% LTGDV, 24m) & sales costs | −£5.9M |
| Developer profit target (17.5% on GDV) | −£9.0M |
| Implied residual land value | Marginal |
Broker insight: A scheme of this scale would typically attract competitive senior development finance at 60-65% LTGDV with mezzanine stretching to 85% LTGDV. Phased drawdowns reduce interest costs. Consider development exit finance to manage sales at your pace.
Small-Scale Development Awaiting decision
Dees Court 10 Clare Road Grangetown Cardiff CF11 6QL
£1.3M
Estimated GDV
Units
8
GDV / Unit
£161k
Build Cost (Range)
£580k–£736k
Residual Land Value
£123k
GDV estimated from the HM Land Registry flat median of £161,125. At benchmark build costs, the implied residual land value is £123,000 (£15k/unit) after a 17.5% developer profit target. Calculate GDV
| Gross Development Value | £1.3M |
| Construction (504 sqm @ £1,300/sqm mid) | −£655k |
| Externals, fees & contingency | −£178k |
| Finance (65% LTGDV, 12m) & sales costs | −£107k |
| Developer profit target (17.5% on GDV) | −£226k |
| Implied residual land value | £123k |
Broker insight: For a 8-unit scheme in Cardiff Bay, we would typically structure senior debt at 60-65% LTGDV with mezzanine available to reduce equity to as little as 10%. Run an appraisal to model your returns.
Small-Scale Development Awaiting decision
145 Cowbridge Road East Riverside Cardiff CF11 9AH
£1.4M
Estimated GDV
Units
8
GDV / Unit
£169k
Build Cost (Range)
£932k–£1.2M
Residual Land Value
Tight
GDV estimated from the HM Land Registry flat median of £161,125 plus a 5% new-build premium (assumed). At benchmark build costs and a 17.5% profit target, viability is tight - land would need to be secured well below prevailing values for this scheme to appraise. Calculate GDV
| Gross Development Value | £1.4M |
| Construction (504 sqm @ £2,100/sqm mid) | −£1.1M |
| Externals, fees & contingency | −£280k |
| Finance (65% LTGDV, 12m) & sales costs | −£112k |
| Developer profit target (17.5% on GDV) | −£237k |
| Implied residual land value | Marginal |
Broker insight: For a 8-unit scheme in Cardiff Bay, we would typically structure senior debt at 60-65% LTGDV with mezzanine available to reduce equity to as little as 10%. Run an appraisal to model your returns.
Appraisal assumptions
- GDV: HM Land Registry blended median of £265,000 plus a 5% new-build premium (assumed).
- Build cost: £1,850-£2,350/sqm (new build, indicative range informed by BCIS regional tender-price data, 2025/26) × 68 sqm/unit (NDSS-derived).
- On-costs: externals 12.5%, professional fees 10%, contingency 5%, sales & legals 3.5000000000000004% of GDV. Excludes CIL/Section 106, which vary by charging schedule and scheme.
- Finance: senior facility at 65% LTGDV, 8.5% pa on an average 57.49999999999999% drawdown over 24 months, plus 2.5% arrangement and exit fees.
- Residual land value assumes the industry-standard 17.5% developer profit-on-GDV target. Indicative appraisal, not a valuation or lending offer.
Land Registry data
Recent property sales
in Cardiff Bay.
3,566 residential transactions in the last twelve months. Median sold price £265,000. 26 new-build transactions with a +78.9% premium over existing stock.
Detached
£460,000
Semi-Detached
£300,000
Terraced
£265,000
Flat
£161,125
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jun 2026 | 14, COTTRELL ROADCF24 3EY | Terraced | £260,000 | Freehold |
| 26 Jun 2026 | 12, EDDYSTONE CLOSECF11 8EB | Terraced | £153,000 | Leasehold |
| 26 Jun 2026 | 53, LANSDOWNE ROADCF5 1PQ | Terraced | £260,000 | Freehold |
| 26 Jun 2026 | 16, HEATHBROOKCF14 5FA | Semi-Detached | £295,000 | Freehold |
| 24 Jun 2026 | 32, COLCHESTER AVENUECF23 9BP | Terraced | £500,000 | Freehold |
| 23 Jun 2026 | 85, SEVERN ROADCF11 9EA | Terraced | £325,000 | Freehold |
| 23 Jun 2026 | 2, LLANDEGFEDD CLOSECF14 9HJ | Terraced | £210,000 | Freehold |
| 23 Jun 2026 | 152, INVERNESS PLACECF24 4RX | Terraced | £295,000 | Freehold |
| 23 Jun 2026 | 10, OAKWOOD AVENUECF23 9HA | Semi-Detached | £335,000 | Freehold |
| 22 Jun 2026 | FLAT 64, ALTOLUSSO, BUTE TERRACECF10 2FF | Flat | £140,000 | Leasehold |
Source: HM Land Registry price paid data, 12 months to August 2026 · Cardiff Council planning register, retrieved August 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.
Indicative terms
Bridging Finance rates
for Cardiff Bay deals.
Typical pricing for bridging finance in Cardiff Bay. Actual terms depend on GDV, leverage, location and your experience — the numbers below are where most structured deals land.
Interest Rate
From 6.5% p.a.
Loan to Value
Up to 70% LTGDV
Typical Term
12-24 months
Arrangement Fee
1-2% of facility
Indicative only, subject to individual assessment. Actual terms issued against a completed Deal Room submission.
Representative deal
Example bridging finance
structure.
Illustrative 9-Unit Scheme, Cardiff Bay
An indicative appraisal for a nine-unit residential scheme priced at Cardiff Bay's own HM Land Registry medians with the locally measured new-build premium applied. Build costs use the regional £/sqm benchmark; every figure updates with the underlying market data.
GDV
£2,835,000
Loan Amount
£1,843,000
LTV
65% LTGDV
Loan Type
Bridging Finance
Representative only. Actual terms vary based on scheme specifics and are issued after underwriting.
Common questions
Bridging Finance in Cardiff Bay
— answered.
How active is the development pipeline in Cardiff Bay?
The Cardiff Council planning register currently shows 137 residential applications awaiting decision in Cardiff Bay, together proposing 244 units — the largest single scheme proposes 184 units. An active pipeline signals both developer confidence in local demand and lender familiarity with the market, which typically translates into more competitive finance terms.
Market intelligence
Local market
reports.
5 min read
Cardiff Bay Property Market: House Prices, Sold Data & Development Finance, End of H1 2026
Median price £265,000, 3,604 sales, +0.2% YoY. Cardiff county.
6 min read
Cardiff Property Market: Prices, Trends & Development Finance, End of H1 2026
6 towns analysed. Median price £265,000, 21,624 transactions, +0.2% YoY.
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your Bridging Finance enquiry in Cardiff Bay and a partner will come back with an initial structure and indicative terms within one working day. No forms-for-forms’-sake — a short note on the scheme is enough.
Where we fund
Cardiff Bay,
Cardiff.
Adjacent products
Other services
in Cardiff Bay.
Development Finance
From 6.5% p.a. · Up to 65-70% LTGDV
Mezzanine Finance
From 12% p.a. · Up to 85-90% LTGDV
Bridging Loans
From 0.55% p.m. · Up to 75% LTV
Equity & Joint Ventures
Profit share from 40% · Up to 100% of costs
Refurbishment Finance
From 0.65% p.m. · Up to 75% LTV
Commercial Mortgages
From 5.5% p.a. · Up to 75% LTV
Development Exit Finance
From 0.55% p.m. · Up to 75% LTV
Nearby markets