Welcome to Cardiffmoneyman.com, the home of Open & Honest Mortgage Advice in Cardiff! We offer a fast and friendly service in Cardiff, designed to provide Mortgage Advice in Cardiff to almost all who get in touch with us. Once we have taken some initial details, we will be able to provide you with an experienced Mortgage Advisor in Cardiff.
Over time, we find many of our customers come back to us for additional services. This is especially the case when it comes to the likes of Remortgaging as we have a reputation of being honest, upfront, and transparent with our customers. With this in mind, each Mortgage Advisor in Cardiff feels motivated in their role, knowing they are able to go that extra mile for their customer. We take great pride in being able to not only kickstart new journeys, but progress in existing journeys for home buyers.
As a Mortgage Broker in Cardiff, we deal with specialist mortgage cases regularly. Our team of Mortgage Advisors work with a vast variety of mortgage lenders that offer brilliant products available for your circumstance. Using this to their advantage, your delegated Mortgage Advisor in Cardiff will do what they can to find the most appropriate deal for your needs.
We will have a Mortgage Advisor in Cardiff available from early until late, every day of the week and even some bank holidays. It is our job to keep you informed, supported and well on your way to achieving your dreams of obtaining a mortgage.
We have spoken to thousands of customers in our years of providing Mortgage Advice in Cardiff. Regularly we encounter certain recurring circumstances such as the bank has turned them away (without not fully explaining why). This can be harmful due to not knowing what to fix in order to go ahead and continue with the mortgage application.
There are many reasons this could happen, including the property value being less than the amount they are looking to borrow, or the bank not having any available appointments for you. These are just a few but there may be more.
Our dedicated Mortgage Advisors in Cardiff work with a large amount of Mortgage lenders, that work alongside us with a variety of potential mortgage deals on offer. This means we are able to choose from thousands of deals that these lenders put forward. With confidence, we can say that as a Mortgage Broker in Cardiff, we will do everything in our power to find the most ideal mortgage for you and your personal circumstance, working hard and doing the work for you, to put you one step closer to achieving your goal of being a homeowner.
Our experienced team here at Cardiffmoneyman have a deep knowledge of mortgage criteria and each of our Mortgage Advisors in Cardiff will be happy to take the journey with you, from the start, right through until the end.
Loyalty is our priority here, as a Mortgage Broker in Cardiff. We do not work with estate agents, building societies or banks – our Mortgage Advice in Cardiff is solely focused around your best interests, doing what is right for you. Your Mortgage Advisor in Cardiff will always aim to do right by you. The heart of our company is you and what is best for your situation, listening to any concerns or questions that may have been bothering you in regard to the mortgage process.
Sticking by your side throughout your mortgage journey, you can worry less knowing we will keep you up to date and in the loop. If we know something, you will know too! Your Mortgage Advisor in Cardiff will get in touch if anything further is needed, or something has changed with your application.
We would recommend getting a head start on the process by getting in touch with a Mortgage Broker in Cardiff. Our friendly team of Mortgage Advisors in Cardiff will be able to assist with things like budget ideas and arranging your Mortgage Agreement in Principle, something we can usually offer within the same day. This helps prep you for any future offers and puts you a few steps in front of anyone who may be interested in the same property you are looking at.
By heading over to our Mortgage Calculator page, you can use our handy tool that will give you a rough guide on what your monthly repayments will be. It is not a guarantee by any means, but useful, nonetheless.
Showcasing an experienced team of Mortgage Advisors in Cardiff, spearheaded by experienced and always motivated Malcolm Davidson, our mortgage team are here from 8 AM until 10 PM, 7 days a week to assist you with any of your mortgage questions.
Roughly your initial mortgage consultation will take around an hour. A Mortgage Advisor in Cardiff will then recommend a potential mortgage for you, which you can then choose to take or decline – You have no obligation!
As your dedicated Mortgage Broker in Cardiff, we carry out a Fact Find to clarify what is required for your personal situation before we progress and recommend a potential mortgage. To obtain an Agreement in Principle we then need to conduct a credit check. Once all the relevant documentation has been presented to your advisor, and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
It is advised that you obtain an Agreement in Principle before you begin viewing properties in Cardiff. This helps reduce the risk of disappointment at a later stage. At the very latest you should look at getting one before you are ready to make an offer, as this will help with your bargaining position.
The average time an Agreement in Principle lasts for is between 30 and 90 days depending on the Lender you have gone with. If your Agreement in Principle expires, you can always get it refreshed.
If you are looking at things like debt consolidation or Home Improvements, then you may be able to get a second mortgage. Second mortgages may also be applicable if you are hoping to use it for yourself, a family member, a holiday home, or a Buy to Let mortgage.
When purchasing a house in Cardiff, the deposit required with High Street Lenders is usually 5%. Depending on your past credit history, this could be higher.
You may still be able to get a mortgage with a poor credit history, but this will typically require a higher deposit than usual, sometimes around 15% of the property purchase price.
To obtain a mortgage whilst Self-Employed in Cardiff once you have submitted at least one years’ account. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whilst others may choose to go off your net profit.
For an employee to prove income you are looking at the last 3 payslips and if you’re self-employed you’ll need the last 2 years of accounts. You will also need to provide proof of ID, address, and 3 months’ bank statements.
Generally speaking, our free consultations take around 1 hour. A Mortgage Agreement in Principle can usually be sorted within 24 hours. A formal mortgage offer takes about three weeks on average, depending on the circumstances.