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
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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

How We Help You Get a Mortgage in Cardiff

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Whether you’re buying your first home, moving to a new property, remortgaging or dealing with a more unusual set of circumstances, we’re here to make the mortgage process simpler. As a mortgage broker in Cardiff, we work closely with people in all kinds of situations, from straightforward purchases to complex cases involving credit history, self-employment or unusual income.

We take time to understand your full circumstances, including what’s important to you now and in the future. From there, your mortgage advisor in Cardiff will search a wide range of lenders to find a deal that suits your needs. We’ll explain your options clearly, so you’re comfortable with how everything works before we move ahead.

Once you’re ready to apply, we’ll manage the process from start to finish. Your advisor will stay in touch throughout, giving you updates and answering any questions along the way.

If you’re looking for mortgage advice in Cardiff that feels clear, personal and easy to navigate, we’re here to help.

How Does the Mortgage Process Work?

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The mortgage process usually starts with a quick conversation about your situation. Whether you’re just exploring your options or ready to apply, we’ll help you understand what you could borrow and what the monthly costs might look like.

Once we’ve got a clear picture, your mortgage advisor in Cardiff will search a range of lenders to find a deal that suits your circumstances. If you’re happy to go ahead, we’ll apply for an agreement in principle, which gives you a better idea of what you can afford and helps when making offers.

When you’ve found a property, we’ll handle the full application and speak to the lender directly. Throughout the process, we’ll keep you updated, chase anything that’s needed and make sure everything stays on track. We’ll also work closely with your solicitor and other contacts to help things run smoothly through to completion.

Why Use a Mortgage Broker in Cardiff?

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Going straight to a bank or lender can feel like the obvious choice, but it often means missing out on other, possibly more competitive, options. Every lender looks at things differently, and a deal that suits one person may not work for someone else. That’s where a mortgage broker in Cardiff can give you a real advantage.

We take a wider view of the market, comparing deals from across a broad panel of lenders. This gives you access to options you might not find on your own, including deals that aren’t available directly to the public.

More importantly, we match those options to your individual circumstances, saving you time and helping you avoid deals that aren’t the right fit.

As your mortgage advisor in Cardiff, we work independently across a broad range of lenders. That means we focus on what’s best for you, not what suits a single bank. We’ll explain your options clearly and support you throughout, helping you make choices that feel right for your situation. It’s a more personal service and often a more efficient one too.

What Types of Mortgages Can You Help With?

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We help with a wide range of mortgage types, whether your situation is simple or more complex. From first time buyers and remortgages to property investors and self-employed clients, we support customers across many different scenarios.

Some people come to us with straightforward needs. Others are dealing with income changes, credit history concerns or plans to borrow at a later stage in life. As a mortgage broker in Cardiff, we take the time to understand your circumstances properly before finding a deal that suits what you’re trying to do.

If you’re not quite sure which type of mortgage fits your situation, we’ll help you make sense of it and talk you through your next steps clearly.

A Service Rated 4.9/5 Stars

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When you’re choosing a mortgage advisor in Cardiff, trust matters. Rated 4.9 out of 5, our service is built on honest advice, personal support and regular communication.

We don’t take a one-size-fits-all approach. Every mortgage is handled with care, whether it’s a straightforward case or something more complex. From the first conversation to the final offer, you’ll deal with the same advisor who keeps things moving, explains everything clearly and stays available when you need them.

We’re with you from the first conversation right through to the day you get the keys. If you ever need support again in the future, don’t hesitate to reach out to us.

Can You Help If My Situation Is Complicated?

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Some mortgage applications are a little more complicated than others, and that’s completely normal. You might be self-employed, have some credit history concerns or be dealing with a recent change in income.

We’ve helped people in all sorts of situations, including those who have struggled to get a mortgage elsewhere. Your mortgage advisor in Cardiff will look at the full picture and explore lenders who are more flexible with cases like yours.

Even if things feel more difficult than expected, we’re here to guide you through it and find a way forward.

More About Cardiffmoneyman

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We’re an independent mortgage broker in Cardiff, built around straightforward advice and a service that puts people first. Every client we work with is given the time, clarity and support they need to move forward with confidence.

Our team of mortgage advisors in Cardiff have over 20 years of experience working with buyers, homeowners and landlords across all kinds of situations. Whether you’re applying for your first mortgage or sorting something more complex, we’ll keep the process clear and personal from day one.

We’re not part of a big chain and we’re not tied to any one lender. That means we can focus on what’s right for you, without the pressure to push a certain product or route. Just honest mortgage advice in Cardiff and a team who care about getting it right.

How Do I Book My Free Mortgage Appointment in Cardiff?

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It’s easy to get started. You can book your free mortgage appointment in Cardiff online at a time that works for you, or give us a call and we’ll arrange it for you.

Your appointment will be with a dedicated mortgage advisor who’ll take time to understand what you’re looking to do. Whether you’re ready to get your process moving straight away or still working things out, we’ll give you the space to talk it through at your own pace.

We offer appointments seven days a week, so it’s easy to find a time that fits around you.

Our Customers Love Us

Reviews Stars5.00 Rating16 Reviews

FAQs About Getting a Mortgage in Cardiff

How Much Can I Borrow for a Mortgage in Cardiff?

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The amount you can borrow will depend on your income, spending, credit history and the lender’s criteria. Many lenders offer up to 4.5 times your income, though some may go higher in certain situations.

Your mortgage advisor in Cardiff will look at your full circumstances and let you know what’s realistic before anything is submitted.

How Much Deposit Do I Need For a Mortgage in Cardiff?

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The minimum deposit for a mortgage in Cardiff is usually 5% of the property price. Some lenders might ask for more depending on your credit history, while putting down a larger deposit (10%-15%) can help secure better rates.

Your mortgage advisor in Cardiff will explain how much deposit you’ll need based on the type of mortgage you’re applying for and the lender’s criteria. If you’re a first time buyer, we’ll also let you know about any mortgage schemes that could help.

Do I Need an Agreement in Principle?

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If you’re thinking about getting a mortgage in Cardiff, it’s a good idea to have an agreement in principle before making an offer on a property. It shows estate agents and sellers that you’re serious and that a lender has already reviewed your basic details.

A mortgage advisor in Cardiff can help arrange your agreement in principle quickly, usually within 24 hours. It won’t commit you to anything, but it gives you a clearer idea of what you could borrow and strengthens your position when viewing homes.

As a mortgage broker in Cardiff, we often find that having an agreement in place helps speed things up when it comes to securing the right mortgage deal later on.

What Documents Will I Need For a Mortgage in Cardiff?

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When applying for a mortgage in Cardiff, lenders will usually ask for some documents to help them understand your financial situation. These often include proof of income, ID, recent bank statements and information about any existing credit or financial commitments.

If you’re self-employed, you might also be asked for recent tax documents or business accounts, depending on the lender.

Your mortgage advisor in Cardiff will explain exactly what’s needed and help you get everything ready. We’ll make sure it’s all in place before anything is submitted, so the process feels smooth and stress-free.

Can I Get a Mortgage If I’m Self-Employed?

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Yes, it’s absolutely possible to get a mortgage in Cardiff if you’re self-employed. You’ll usually be asked for a couple of years’ trading history and some evidence of your income, depending on the lender.

Lenders may look at how consistent your earnings are, but the process can still be straightforward with the right support.

As your mortgage broker in Cardiff, we will take the time to understand how your income works and which lenders are more likely to suit your setup. This includes self-employed clients such as contractors, company directors and sole traders

Can I Get a Mortgage with Bad Credit in Cardiff?

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If your credit history isn’t perfect, you may still be able to get a mortgage in Cardiff. Some lenders take a more flexible approach, especially if your circumstances have improved over time.

Your mortgage advisor in Cardiff will take a close look at your credit report to try and match you with specialist lenders who are open to these kinds of applications. With the right support, there’s often a way to move forward.

Should I Choose a Fixed or Variable Rate Mortgage in Cardiff?

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This depends on your priorities and how you feel about interest rate changes. A fixed rate mortgage gives you the certainty of knowing exactly what your monthly payments will be, while a variable rate could go up or down depending on the market.

Your advisor will explain how each option works and what it could mean for your budget. If you’re looking for clear, personal mortgage advice in Cardiff, we’ll help you compare the options and decide what suits you best.

What Fees Should I Expect When Getting a Mortgage in Cardiff?

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There are a few common costs involved when arranging a mortgage in Cardiff, such as lender fees, valuations, legal work and, in some cases, a broker fee. What you’ll pay depends on the lender and the type of mortgage you’re applying for.

Your mortgage advisor in Cardiff will explain all the details clearly at the start, including when any fees might apply and whether they can be added to your mortgage. Nothing is hidden, and we’ll make sure you feel prepared at every stage.

What Happens When My Fixed Term Ends?

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Once your fixed rate ends, your lender will usually move you onto their standard variable rate. This tends to be higher than your original deal, which can lead to an increase in your monthly payments.

That’s where remortgaging comes in, which simply means switching to a new mortgage deal, either with your current lender or a different one, to avoid paying more than you need to.

Your mortgage advisor in Cardiff will check what else is available and help you decide whether it’s the right time to switch.

Do You Offer Evening or Weekend Appointments?

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Yes, we offer mortgage appointments seven days a week, including evenings and weekends. We know it’s not always easy to speak during office hours, especially when you’re working or juggling family commitments.

Your advisor will be happy to speak at a time that fits around your day. Whether you’re ready to get started or just looking for mortgage advice in Cardiff, we’ll work around your schedule.

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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.

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