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.
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.
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.
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.
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.
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.
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.
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.
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
5.00 Rating16 Reviews
Eilish
Great service
4 months ago
Adrian
Excellent service
8 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.
11 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.
1 year 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!!
1 year 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
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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