Cardiff, Wales’ capital city, boasts a robust property market with diverse prospects for investors and developers.
Bridging Finance London specialises in providing expert short-term lending solutions tailored to the specific requirements of clients in Cardiff and its surrounding areas.
Bridging loans are short-term financing options designed to provide quick access to capital, often used to secure a new property before the sale of an existing one completes.
These versatile loans can serve various purposes, including property acquisitions, auction purchases, and addressing business cash flow needs. At Bridging Finance London, we provide loans up to 80% LTV, with the potential for up to 90% in select cases, enabling you to maximise your investment potential in Cardiff’s flourishing market.
Cardiff’s property landscape has experienced notable growth recently, with significant regeneration projects and rising demand for both residential and commercial properties. Our bridging loan solutions are crafted to help you swiftly and efficiently capitalise on these opportunities.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
Types of Bridging Loans Available in Cardiff
Residential Bridging Loans: These are suitable for homeowners or investors looking to acquire residential properties in Cardiff’s popular areas. They can help break property chains or facilitate quick purchases in competitive situations.
Commercial Bridging Loans: Investors interested in Cardiff’s expanding commercial sector can use these loans to quickly access funds for buying office spaces, retail units, or industrial properties. They offer flexibility for businesses aiming to grow or relocate within the city.
Auction Finance: Property auctions in Cardiff can be highly competitive. Our auction finance options allow you to secure funds rapidly, meeting the strict deadlines typically associated with auction purchases.
Cardiff Property Market Overview
Cardiff’s property market has demonstrated resilience and growth, with average house prices rising by 6.7% over the past year. The city centre has undergone significant redevelopment, including the Central Square project, which has increased demand for both residential and commercial properties.
The rental market in Cardiff remains robust, particularly in areas favoured by students and young professionals. This trend creates excellent opportunities for buy-to-let investors looking to expand their portfolios in the Welsh capital.
How Bridging Loans Work in Cardiff
Bridging loans in Cardiff typically have a short-term duration, ranging from a few weeks to 12-18 months.
These loans can be arranged quickly, often within days, allowing you to act on time-sensitive opportunities in the Cardiff property market.
Loan amounts vary widely, from £100,000 to several million pounds, depending on the property value and your circumstances. We offer competitive loan-to-value ratios of up to 80%, with the possibility of 90% in some cases, providing significant leverage in your property transactions.
When applying for a bridging loan, it’s important to have a clear exit strategy.
This could involve selling the property, refinancing to a long-term mortgage, or using funds from another source to repay the loan. Our team will work closely with you to ensure your exit strategy is sound and appropriate for your specific situation.
Benefits of Using Bridging Finance London
Cardiff Market Insight: Our team possesses comprehensive knowledge of Cardiff’s property landscape, enabling us to offer tailored advice and solutions.
Exclusive Lender Network: We have relationships with over 200 lenders, including private banks and individuals, giving you access to a wide range of competitive loan options.
Rapid Processing: We understand the fast-paced nature of Cardiff’s property market and can arrange bridging loans quickly, often within days.
Adaptable Lending Criteria: We assess each application on its own merits, offering solutions even for complex or unusual cases that high street banks might decline.
Case Study
A property investor recently approached us seeking to purchase a prime commercial property in Cardiff Bay.
The seller required completion within three weeks, a timeline too tight for traditional bank financing. We secured a £1.2 million bridging loan at 70% LTV within 10 days, allowing our client to complete the purchase on schedule.
The client later refinanced to a long-term commercial mortgage, having already secured a tenant for the property, thereby increasing its value.
By utilising our expertise and network of lenders, we helped our client seize a valuable opportunity in Cardiff’s competitive commercial property market. This case demonstrates how bridging finance can be an effective tool for investors looking to move quickly in Cardiff’s dynamic property landscape.
Need some help?
If you need a short-term bridging loan then a specialist broker is a good place to start. You will get expert help and advice along with a wide range of lenders to choose from.
To speak with a specialist broker, please call us on 020 3488 5706.
