Cardiff
Cardiff City Centre
development finance.
Expert property development finance in Cardiff City Centre, Cardiff. Median price £267,500, 5,144 annual sales. We connect developers with competitive funding from 100+ lenders.
- Median price
- £268k
- Sales (12m)
- 5,144
- YoY change
- +0.9%
Cardiff City Centre, Cardiff
Property finance
in Cardiff City Centre.
Cardiff City Centre - welsh capital with Central Square regeneration, three universities, and growing BTR sector. With a median property price of £267,500 and 5,144 transactions in the last twelve months, Cardiff City Centre represents a high-volume market with prices up 0.9% year-on-year.
Detached homes command a median of £461,750 while flats average £161,250, reflecting the breadth of Cardiff City Centre's residential market. New-build activity is notable, with 95 new-build transactions recorded over the past year - a signal of active development demand.
Whether you need development finance for a ground-up scheme, bridging finance to secure a site at auction, or mezzanine finance to stretch your capital stack, our brokers arrange the full range of property finance across Cardiff City Centre and the wider Cardiff area. Each deal is structured around your specific project, with terms negotiated from our panel of over 100 lenders.
The capital stack
Seven funding routes for
every Cardiff City Centre scheme.
Senior debt, mezzanine, bridging, equity, refurbishment, commercial mortgages and exit finance — arranged for Cardiff City Centre developers on the deal, not the product sheet.
Development Finance
Senior debt funding for ground-up residential and commercial developments.
Mezzanine Finance
Stretch your capital stack beyond senior debt to reduce equity requirements.
Bridging Loans
Short-term finance for acquisitions, auction purchases and time-sensitive deals.
Equity & Joint Ventures
Equity partnerships and JV structures for developers seeking capital partners.
Refurbishment Finance
Funding for light and heavy refurbishment projects including conversions.
Commercial Mortgages
Long-term finance for commercial property acquisition and refinancing.
Development Exit Finance
Short-term funding to repay development finance while you sell completed units.
Live market data
Cardiff City Centre
market snapshot.
HM Land Registry sold-price data for Cardiff City Centre over the last twelve months, alongside the live local planning pipeline. Updated weekly.
- Median price
- £267,500
- Sales (12m)
- 5,144
- YoY change
- +0.9%
- Approved (recent)
- 506
- Pipeline units
- 988
- Pipeline GDV
- £240.4M
Cardiff City Centre development appraisal
Model the numbers
for your scheme.
Pre-populated with Cardiff City Centre median prices and typical senior-debt pricing. Adjust the inputs to match your deal and we will hand the working assumptions through to the Deal Room.
Scheme Inputs
Pre-populated with Cardiff City Centre median prices. Adjust to match your scheme.
Build cost pre-filled at £2,100/sqm (regional benchmark) for a 6-unit scheme. Assumes 10% professional fees, 10% contingency, 65% LTGDV senior debt, 18-month term. Full calculator →
Capital Structure
Land Registry data
Recent property sales
in Cardiff City Centre.
5,144 residential transactions in the last twelve months. Median sold price £267,500 (+0.9% YoY). 95 new-build transactions with a +72.1% premium over existing stock.
Detached
£461,750
Semi-Detached
£300,000
Terraced
£262,500
Flat
£161,250
| Date | Address | Type | Price | Tenure |
|---|---|---|---|---|
| 29 Jul 2026 | 46, ANDREWS ROADCF14 2JP | Detached | £421,000 | Freehold |
| 28 Jul 2026 | 12, ARTHUR STREETCF24 1QR | Terraced | £210,000 | Freehold |
| 27 Jul 2026 | 16, RAVENSBROOKCF15 8LT | Terraced | £370,000 | Freehold |
| 24 Jul 2026 | 16, GLAS-Y-PANTCF14 7DB | Semi-Detached | £348,000 | Freehold |
| 24 Jul 2026 | 7, OAKDENE CLOSECF23 6HJ | Semi-Detached | £360,000 | Freehold |
| 24 Jul 2026 | 98, MORTIMER AVENUECF3 6YF | Semi-Detached | £275,000 | Freehold |
| 24 Jul 2026 | 26, COEDEN DALCF23 7DH | Terraced | £287,000 | Freehold |
| 23 Jul 2026 | 172, ARABELLA STREETCF24 4SZ | Terraced | £297,000 | Freehold |
| 23 Jul 2026 | 8, RIVERSDALECF5 2QL | Semi-Detached | £326,000 | Freehold |
| 20 Jul 2026 | B, 78, KINGS ROADCF11 9DD | Flat | £172,500 | Leasehold |
Planning pipeline
Planning activity
in Cardiff City Centre.
Recently Approved
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 24/00661/FUL | Change of use from residential care home to daycare nursery with demolition of r… 88 - 90 Lake Road East Cyncoed Cardiff CF23 5NP | 1 | £267,500 | Pending | 21/09/2026 |
| 26/01537/FUL | Change of use of existing offices to living accomodation Part Ground Floor And First Floor 55 Whitchurch Road Gabalfa Cardiff CF14 3JP | - | - | Pending | 15/09/2026 |
| 26/01534/FUL | Retention of conversion from a large sui generis HMO to a class C4 HMO. 23 Gordon Road Roath Cardiff CF24 3AL | - | - | Pending | 15/09/2026 |
| 26/01531/FUL | Dormer Loft Conversion plus related alterations to convert existing class C4 HMO… 60 Colum Road Cathays Cardiff CF10 3EH | - | - | Pending | 15/09/2026 |
| 26/01641/FUL | Replacement of the existing condensers and Installation of additional 4 no. new … 64 St Mary Street Cathays Cardiff CF10 1FA | - | - | Pending | 15/09/2026 |
Current Applications
| Ref | Proposal | Units | Est. GDV | Status | Date |
|---|---|---|---|---|---|
| 26/01992/FUL | Retain existing retail unit, and conversion into 3no. flats. 10 Sneyd Street Pontcanna Cardiff CF11 9DL | - | - | Pending | 21/09/2026 |
| 26/01997/FUL | Proposed new primary entrance and associated internal and external alterations First Floor 1 Caspian Point Caspian Way Butetown Cardiff CF10 4DQ | - | - | Pending | 21/09/2026 |
| 26/01993/FUL | GROUND AND FIRST FLOOR REAR EXTENSION, HIP TO GABLE DORMER LOFT CONVERSION, INCL… 51 Wyeverne Road Cathays Cardiff CF24 4BG | 4 | £645,000 | Pending | 21/09/2026 |
| 26/02013/FUL | Change of use to Sui Generis House in Multiple Occupation (HMO) with associated … 46 Beresford Road Adamsdown Cardiff CF24 1RA | - | - | Pending | 17/09/2026 |
| 26/01964/FUL | Retrospective change of use from dwellinghouse (Use Class C3) to a 5-person Hous… 332 Newport Road Penylan Cardiff CF24 1RT | 1 | £267,500 | Pending | 16/09/2026 |
Source: HM Land Registry price paid data, 12 months to September 2026 · Cardiff Council planning register, retrieved September 2026. Contains HM Land Registry data © Crown copyright and database right, licensed under the Open Government Licence v3.0.
Common questions
Property finance in Cardiff City Centre
— answered.
What is the average property price in Cardiff City Centre?
Is Cardiff City Centre a good area for property development?
What types of property finance are available in Cardiff City Centre?
How do I apply for development finance in Cardiff City Centre?
What are typical development finance rates in Cardiff City Centre?
Where we fund
Cardiff City Centre,
Cardiff.
Nearby markets
Adjacent towns
we also fund.
Cardiff Bay
Median · £267,500
Pioneering waterfront regeneration with continuing residential and commercial development
Canton
Median · £267,500
Popular inner suburb with strong rental demand and Victorian terrace refurbishment opportunities
Cathays
Median · £267,500
University quarter with strong HMO and student housing market near Cardiff University
Splott
Median · £267,500
Emerging inner-city area with industrial heritage conversions and growing buyer interest
Pontcanna
Median · £267,500
Premium Cardiff neighbourhood with strong family demand and period property conversions
Ready when you are
Tell us the deal.
We’ll recommend the structure.
Submit your development finance enquiry in Cardiff City Centre 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.