It's Free to Speak to an Advisor, 7 days, 8am - 10pm

Mortgage Broker
in Cardiff

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

029 2010 2804Speak to an Advisor - It's Free!
Malcolm Davidson - Managing Director of Cardiffmoneyman

Mortgage Broker
in Cardiff

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Enquire Online 029 2010 2804 Malcolm Davidson Managing Director of Cardiffmoneyman - Mortgage Broker in Cardiff
Reviews io Black logo

Read our 16 Reviews

Google Reviews

Read our5-Star
Google Reviews

Malcolm and Amy - Cardiffmoneyman Directors

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.

Malcolm and Amy - Cardiffoneyman Directors

Speak to an Advisor - It's Free!

Free Mortgage Calculators

Mortgage Broker in Cardiff
Trusted Mortgage Advice in Cardiff

What does a mortgage broker do?

Accorion Arrow

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.

Is it better to go to a bank or a mortgage broker in Cardiff?

Accorion Arrow

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.

How can our mortgage advisors help?

Accorion Arrow

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:

  • First time buyer mortgages
  • Moving home mortgages
  • Remortgages
  • Buy to let mortgages
  • Age 50+ options
  • Self employed mortgage options
  • Specialist and complex cases
  • Life insurance
  • Bridging loans & finance

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.

How does the mortgage process work?

Accorion Arrow

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.

What’s the difference between a mortgage broker and a mortgage advisor?

Accorion Arrow

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.

How does our free mortgage appointment work?

Accorion Arrow

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.

Can you help with complex mortgage situations?

Accorion Arrow

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.

Do I need life insurance with my mortgage?

Accorion Arrow

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.

How do I always make sure I'm on the best rate?

Accorion Arrow

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!

Monitor Your Mortgage 24/7

Our Customers Love Us

Reviews Stars5.00 Rating16 Reviews

Common Mortgage Questions in Cardiff

How does the free mortgage appointment work?

Accorion Arrow

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.

When should I obtain an agreement in principle?

Accorion Arrow

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.

How long does an agreement in principle last?

Accorion Arrow

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.

Can I get a second mortgage in Cardiff?

Accorion Arrow

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:

  • Buy to let mortgage
  • Debt consolidation
  • Home improvements
  • Second home
  • Marital / relationship breakdown

How much deposit do I need for a mortgage in Cardiff?

Accorion Arrow

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%.

Can I get a mortgage with previous credit problems?

Accorion Arrow

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%.

I’m self employed in Cardiff, can I get a mortgage?

Accorion Arrow

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.

What documents will I need to send?

Accorion Arrow

During your mortgage application, you’ll be asked to provide evidencing documents:

  • Latest 3 Payslips (Employed), Last 2 years’ Accounts (Self-Employed)
  • Latest 3 Months’ Bank Statements
  • Latest P60
  • Latest or current P60.
  • Photographic ID

How long does the process take?

Accorion Arrow

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.

We Search 1000s of Mortgage Deals in Cardiff

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
Precise Logo
HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
Kensington Logo
Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Mortgage Guides

Cardiffmoneyman.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

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.

© Cardiffmoneyman 2025.

Equity Release Council Logo
Facebook Image X Image Instagram Image YouTube Image LinkedIn Image SpotifyImage TikTok Image

Speak to an Advisor – It’s free!
7 Days a Week, 8am – 10pm

Speak to an Advisor – It’s Free Enquire Online 029 2010 2804
We use cookies to enhance your customer experience. More detailsGot It