Welcome to Cardiffmoneyman, your home of trusted, expert mortgage advice in Cardiff.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
To speak with a mortgage advisor in Cardiff, book your FREE mortgage appointment online.
Welcome to Cardiffmoneyman, your home of trusted, expert mortgage advice in Cardiff.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
As a mortgage broker in Cardiff, our role is to help you find a mortgage that fits your personal situation. We don’t just offer products from one bank; we have access to a wide panel of lenders, which gives us more choice when it comes to finding something that suits your needs.
It’s not just about finding you a deal either, our mortgage advisors in Cardiff take the time to understand what you’re looking for, explain everything clearly, and guide you through each step.
That might include answering your first questions, managing the paperwork or keeping in touch as things move along. We’re here to make the whole experience feel more straightforward and less stressful.
Many people start by going to their bank, but they can usually only offer mortgages from their own limited range. That means you’re not getting a full view of what’s available elsewhere.
As a mortgage broker in Cardiff, we search across multiple lenders to find deals that match your needs more closely. Whether that’s a lower monthly payment, more flexibility, or something suited to your credit history, we’ll look at what works best for you.
As a mortgage broker in Cardiff, we help with more than just getting a mortgage. Whether you’re just starting to explore your options or already have something in mind, our mortgage advisors in Cardiff are here to support you through it.
You can speak to us about:
You can learn more about the different types of service we offer across our website or you can get in touch for a chat. We’re always happy to see how we can help.
The mortgage process usually starts with a quick chat so we can get a clear picture of what you’re looking to do. From there, your mortgage advisor in Cardiff will search through a range of lenders to find a deal that suits your needs.
Once you’re happy with the recommendation, we’ll handle the application and deal with the paperwork for you. If anything changes along the way, we’ll keep you updated so you’re never left wondering what’s going on.
As your mortgage broker in Cardiff, we’re here to make the process feel as smooth and straightforward as possible, from the first step to the final offer.
A mortgage broker is the company that helps arrange your mortgage — that’s us.
The mortgage advisors are the people you’ll speak to throughout the process, and they’re part of our team here at Cardiffmoneyman. They’ll take the time to understand your situation, search through different lenders and recommend a deal that suits you.
From the first enquiry to the final offer, our mortgage advisors in Cardiff are here to support you every step of the way.
Booking your free mortgage appointment is simple and flexible. You can choose a date and time that suits you using our online system, with appointments available seven days a week.
When you speak to one of our mortgage advisors in Cardiff, they’ll take the time to understand your situation and what you’re aiming to do.
Whether you’re just starting to explore your options or already have something in mind, we’ll talk things through, look at what you could borrow, and give you a better idea of what the payments might look like.
There’s no pressure; just a helpful, friendly chat to get things moving.
Absolutely, as a mortgage broker in Cardiff, we regularly help customers with situations that aren’t as straightforward.
Whether you’ve got a low credit score, a mix of income sources, or something that’s held you back in the past, our mortgage advisors in Cardiff are here to look at the bigger picture.
We work with lenders who consider a range of circumstances, including those that fall outside of standard criteria. That might mean looking into specialist products or lenders who take a more flexible approach.
We’ll explain what’s available and guide you through the process from start to finish.
Life insurance isn’t a legal requirement when taking out a mortgage, but many people choose to take out cover for peace of mind. It’s there to help protect the people you care about if something happens to you during the mortgage term.
As a mortgage broker in Cardiff, we’ll talk you through what cover might be suitable based on your situation. If protection is something you want to explore, our mortgage advisors in Cardiff can explain the different options in simple terms and help you decide what feels right for you.
Making sure you’re on the best mortgage rate for your personal and financial situation can save you money over time – sometimes a significant amount. With rates changing regularly, it’s not always easy to know when it’s time to switch.
As a mortgage broker in Cardiff, we’re here to help you stay on track, not just when you take out your mortgage, but long after too.
That’s where our free mortgage monitoring service comes in. It quietly keeps an eye on your mortgage and compares it against live deals in the background. As you repay your balance and your property value changes, it spots when a better rate might become available.
Powered by Dashly, this tool uses real-time data and technology to make sure you’re always in a strong position – and it won’t cost you a penny to use!
Our Customers Love Us
5.00 Rating16 Reviews
Eilish
Great service
3 months ago
Adrian
Excellent service
7 months ago
John
Wayne was great throughout whole process of buying our first home, he gave us great confidence and simplified the whole process for us. Would defintiely recommend.
10 months ago
Jack
Matt, Jo and all those involved have been excellent it helping me and my partner navigate the mortgage process. Their guidance have been invaluable and without the support we would have really struggled. Would highly recommend.
11 months ago
Anonymous
Brilliant service. Quick response to any questions we had and explained everything clearly. Kept the process moving for us which was greatly appreciated. Thanks!!
11 months ago
Justine
As a first time buyer and someone who doesnt know much about the process, Malcolm and the team were very informative and helpful during the entire process. We were allowed to ask a list of questions about our blind-spots to do with taking on a...
1 year ago
Matthew
Can’t thank Cardiffmoneyman enough in helping me buy my first home. Leo my appointed advisor has been monumental in getting me the best deal and explaining the whole process and making it as easy as possible in what would be a stressful time. Also...
1 year ago
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
1 year ago
Owain
Cardiffmoneyman have been fantastic at guiding me through the home buying process. Great and friendly communication with excellent pacing on the amount of information presented at once. Truly helped simplify the home buying process.
1 year ago
Charleigh
Very efficient, communication was excellant, and really helped as first time buyers advising the steps as we went!
1 year ago
Daniel
Matt has been brilliant throughout the whole process, very knowledgeable and helpful. The process has been smooth throughout. The application was submitted on Wednesday and the mortgage offer was approved by Friday! Talk about that for service.
2 years ago
Jane
I recently had the pleasure of working with UK Moneyman, and I couldn't be more impressed with the level of professionalism and care that they provided me. As someone with a poor credit rating at the age of 60, I never thought it would be possible...
2 years ago
Josh
Leanne was very friendly, build up an instance rapport and helped me with my all questions prior to my meeting with another Advisor tomorrow. Thank you Leanne for your help. Josh 😀
2 years ago
Thomas
Cardiffmoneyman has been perfect for us as First Time Buyers. Charlie & Leo were both great at sorting everything out for us promptly and explaining things clearly. Everyone we’ve spoken has been super friendly and helpful. We’re very grateful...
4 years ago
Stacie
We were recommended to use Cardiffmoneyman, by friends who used them looking to remortgage. They were fantastic. From start to finish, we were kept informed throughout the entire process, and their working hours were handy, as I and my husband both...
4 years ago
Emma
Jason was great! Being self employed I thought I would never get a mortgage, but here we are and im happily moving into my new home. Couldn't have done this without you and your team, thank you!
4 years ago
Your free initial mortgage consultation will last around 30-60 minutes. During your consultation, you will get to speak with your dedicated mortgage advisor in Cardiff.
Their job will be to get a better understanding of your mortgage needs and situation so that they can search for the perfect mortgage deal for your personal and financial situation.
As a mortgage broker in Cardiff, we recommend that our applicants obtain an agreement in principle (AIP) as soon as possible.
Having an AIP whilst you’re viewing properties can increase your chances of being accepted by the seller. It may also allow an opportunity for price negotiation.
Once you have an agreement in principle (AIP) in place, it should last between 30-90 days.
If your AIP expires, you can easily renew it by getting back in touch with your mortgage advisor in Cardiff.
Depending on why you want to get a second mortgage, it may be easier to get one than not.
There are various reasons why someone may want a second mortgage, for example:
Typically, most high street lenders will require a 5% deposit from you.
However, depending on your credit history, your lender may ask for 10%-15%.
It can still be possible to get a mortgage, even with bad credit problems in the past. Even though it may be a little harder, it isn’t impossible!
You may have to put down a higher deposit if you have bad credit, this could be 10%-15%.
During your mortgage application in Cardiff, if you’re self employed, you’ll need to submit at least one year’s accounts.
As a mortgage broker in Cardiff, we’ve found that most lenders use your salary plus dividend to calculate the maximum mortgage amount that you can borrow. Although, some lenders may choose to go off your net profit.
During your mortgage application, you’ll be asked to provide evidencing documents:
First of all, your free mortgage consultation should last around 30-60 minutes. Once this is complete, your mortgage advisor in Cardiff will obtain an Agreement in Principle for you within 24-hours.
Then, if you are happy to proceed with the deal that your advisor has recommended, we can submit your mortgage application. A formal mortgage offer can take on average around 3 weeks to return.
Regulatory Information
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk
Speak to an Advisor – It’s free!
7 Days a Week, 8am – 10pm