Cardiff Development Finance

Cardiff Development Finance Case Studies

Real projects, real results. These anonymised case studies demonstrate how we have helped Cardiff and South Wales property developers secure the right funding for their schemes. From first-time developers to experienced housebuilders, each project presented unique challenges that required bespoke funding solutions.

Explore our full range of finance types or contact us to discuss a project similar to those featured below.

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New Build ResidentialStretch Senior FinanceCardiff Bay

Waterfront Apartment Scheme, Cardiff Bay

Units
24
Loan Amount
£4.2M
LTV
65%
LTC
70%
Timeline
18 months

The Challenge

A first-time developer with an ambitious 24-unit waterfront scheme needed funding that recognised the premium location despite limited track record. High-street lenders had declined due to the developer's experience level.

The Outcome

We secured a stretch senior facility at 70% LTC from a specialist lender comfortable with the Cardiff Bay market. The scheme completed on time with units selling at a 12% premium to initial GDV estimates, generating a 22% profit on cost.

Explore Cardiff Bay →About Stretch Senior Finance →Discuss a similar project →
Permitted Development ConversionPermitted Development FinanceCentral Square

Office-to-Residential Conversion, Central Square

Units
16
Loan Amount
£2.1M
LTV
60%
LTC
75%
Timeline
12 months

The Challenge

A Bristol-based developer expanding into Cardiff needed fast funding for a permitted development conversion of a vacant office block. Timing was critical as the PD rights were expiring.

The Outcome

Funding was arranged within 3 weeks using our expedited process. The Development Bank of Wales provided co-funding alongside the senior lender, reducing the developer's equity requirement to just 15%. All 16 units were pre-sold off plan.

Explore Central Square →About Permitted Development Finance →Discuss a similar project →
New Build HousingMezzanine FinanceSplott

New Build Housing Scheme, Splott

Units
8
Loan Amount
£1.4M
LTV
55%
LTC
65%
Timeline
14 months

The Challenge

A local SME housebuilder wanted to capitalise on Splott's regeneration but had equity tied up in a previous scheme. They needed a mezzanine layer to bridge the gap.

The Outcome

We structured a senior plus mezzanine facility totalling 85% LTC, allowing the developer to proceed without releasing equity from their existing scheme. The South Wales Metro investment nearby boosted buyer confidence, and all 8 houses sold within 6 weeks of completion.

Explore Splott →About Mezzanine Finance →Discuss a similar project →
Mixed-Use New BuildSenior Development FinanceButetown

Mixed-Use Development, Butetown

Units
12
Loan Amount
£3.5M
LTV
62%
LTC
72%
Timeline
20 months

The Challenge

A mixed-use scheme combining ground-floor commercial with 12 residential units above required a lender comfortable with both asset classes. The project also needed staged drawdowns aligned to a complex build programme.

The Outcome

We placed the facility with a specialist mixed-use lender at 72% LTC with flexible drawdown tranches. The commercial unit was pre-let to a national retailer, strengthening the overall proposition. The scheme delivered a 19% profit on cost.

Explore Butetown →About Senior Development Finance →Discuss a similar project →
New Build ResidentialJV Equity PartnershipDumballs Road

Residential Scheme, Dumballs Road

Units
30
Loan Amount
£7.8M
LTV
60%
LTC
68%
Timeline
24 months

The Challenge

A large-scale 30-unit scheme on Dumballs Road required significant funding within the Cardiff Capital Region City Deal regeneration zone. The developer needed a lender who understood the long-term transformation of this area.

The Outcome

We secured a JV equity partnership alongside senior debt, providing 90% of total costs. The City Deal infrastructure investment in the area gave lenders confidence in future values. Phase 1 of 18 units has completed with all units sold; Phase 2 is now underway.

Explore Dumballs Road →About JV Equity Partnership →Discuss a similar project →

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