Specialist mezzanine finance for Cardiff's developers

Development gap funding across the city of Cardiff

Across the 6 Cardiff towns we monitor, 312 residential units are moving through live planning applications, an estimated £63.8m of gross development value. Canton recorded 3,604 sales in the last 12 months.

That data is not decoration: it is how we underwrite. A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so we track every live application and recorded sale in the towns above before we price a Cardiff deal. The same numbers are published openly in our UK development pipeline tracker.

Cardiff is the capital and largest city of Wales and the seat of the Senedd, the Welsh Parliament. The city grew around a natural harbour at Cardiff Bay where the River Taff meets the Bristol Channel.

The product itself works the same in Cardiff as everywhere we lend: your senior lender keeps first charge and funds the majority of cost, our mezzanine finance takes a second charge over the next slice, and your equity requirement falls, typically from 35 percent of cost to 5 or 10. Terms run 6 to 36 months with pricing indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model your own scheme with the leverage calculator.

Cardiff's development pipeline, measured

Monitored towns only; data refreshed 5 July 2026 from HM Land Registry and local planning authority records.

Where we lend in Caerdydd

Canton

52 units sit in Canton's live planning applications, an estimated £10.6m of GDV. The median sold price over the last 12 months is £265,000 (up 0.2% year on year), across 3,604 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Cardiff Bay

52 units sit in Cardiff Bay's live planning applications, an estimated £10.6m of GDV. The median sold price over the last 12 months is £265,000 (up 0.2% year on year), across 3,604 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Cardiff City Centre

52 units sit in Cardiff City Centre's live planning applications, an estimated £10.6m of GDV. The median sold price over the last 12 months is £265,000 (up 0.2% year on year), across 3,604 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Cathays

52 units sit in Cathays's live planning applications, an estimated £10.6m of GDV. The median sold price over the last 12 months is £265,000 (up 0.2% year on year), across 3,604 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Pontcanna

52 units sit in Pontcanna's live planning applications, an estimated £10.6m of GDV. The median sold price over the last 12 months is £265,000 (up 0.2% year on year), across 3,604 recorded sales. Schemes here are underwritten against that evidence, not against optimism.

Splott

52 units sit in Splott's live planning applications, an estimated £10.6m of GDV. The median sold price over the last 12 months is £265,000 (up 0.2% year on year), across 3,604 recorded sales. Schemes here are underwritten against that evidence, not against optimism.