Cardiff Development Finance Calculator
Use our development finance calculator to estimate the key metrics for your Cardiff property project. Enter your gross development value, total costs, and loan term to receive indicative figures for loan amount, LTV, LTC, and interest costs.
Default values reflect typical Cardiff market averages for a mid-range residential scheme. For a personalised quote tailored to your specific project and circumstances, contact our team. You can also explore the different finance types we offer to understand which structure best suits your development.
Cardiff Development Finance Calculator
Enter your project details and click Calculate to see indicative loan terms. Default values reflect typical Cardiff market averages.
Understanding Your Results
Loan to Value (LTV) measures the loan as a percentage of the completed development value (GDV). Most senior lenders cap LTV at 65-70%.
Loan to Cost (LTC) measures the loan as a percentage of your total development costs. This is the primary metric most development finance lenders use. Senior facilities typically go to 65-70% LTC.
Profit on Cost is the developer's margin — the difference between GDV and total costs expressed as a percentage. Most lenders require a minimum 20% profit on cost for Cardiff schemes.
Need higher leverage? Explore mezzanine finance or stretch senior options. Review our process to understand what happens next.
Typical Cardiff Development Finance Rates
Development finance rates in Cardiff currently range from 7% to 18% per annum depending on the facility type, your experience level, and the scheme location. Here is a guide to current market rates:
| Finance Type | Typical Rate | Max Leverage |
|---|---|---|
| Senior Development Finance | 7–9.5% p.a. | 70% LTC |
| Stretch Senior | 8.5–11% p.a. | 85% LTC |
| Mezzanine | 12–18% p.a. | 90% LTC |
| Exit Finance | 0.55–0.85% p.m. | 75% LTV |
Rates shown are indicative for 2026 and vary by lender, project specifics, and borrower profile. The Development Bank of Wales co-funding can reduce blended rates for eligible Cardiff schemes. For an accurate quote tailored to your project, speak to our team. You can also browse our case studies to see real examples of Cardiff projects we have funded, including rates achieved and timelines.