Fast & Friendly Mortgage Advice in Cardiff

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We love helping all our customers, especially the ones who really need Mortgage Advice in Cardiff - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 029 2010 2804.

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First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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Mortgage Broker in Cardiff | Mortgage Advice in Cardiff

Welcome to Cardiffmoneyman, the online home for clear & simple mortgage advice in Cardiff and all nearby areas. We have earned ourselves an amazing reputation as place where customers can benefit from getting in touch with an expert mortgage broker in Cardiff. Our trusted and knowledgeable mortgage advisors in Cardiff aim to bring mortgage success to all who enquire within.

Responsive Mortgage Advice in Cardiff

We have a large number of lenders available to approach on our panel, to which each have their own unique products and lending criteria. This often means that we have access to products that aren’t often available on the high street. It doesn’t matter what situation you are in, our amazing team of qualified mortgage advisors in Cardiff will use their expertise to try and save you both time and money, finding you the best possible deal for your circumstances.

 

In order to gain a true understanding of the high levels of customer service we always strive to provide our customers, take a read of our wonderful customer reviews.
No matter if you’ve just gotten in touch, are in the thick of it with a mortgage advisor in Cardiff or are in the detailed stages speaking to one of our mortgage administrators, we will always keep you up-to-date and look to bring you a stress-free mortgage advice service.

We Work For You – Mortgage Broker in Cardiff

As a fast & friendly Mortgage Broker in Cardiff with a reputation for being responsive, we will offer full support and guidance during your home buying or remortgaging process. We’ll do everything we can to ease any of the concerns you have during our service and will answer all of your questions as best as we can. We sincerely hope that you’ll find us useful during your process, as we are flexible and adaptable to your mortgage needs.

Mortgage Broker Versus The Banks Mortgage Advisor

You will have very limited options when you go directly with a bank or lender, as opposed to speaking with an expert mortgage broker in Cardiff. The banks and other lenders will only have access to their own deals and products, whereas we are able to search through 1000s of deals across our panel, picking out one that we believe to be the best one for you and your circumstance.

 

Our experienced and dedicated mortgage and protection team in Cardiff have an extensive knowledge of various lenders criteria and products. As a Mortgage Broker in Cardiff, we are able to shop around for these deals, doing the hard work on your behalf. This saves you speaking to multiple lenders, which in turn saves both your time and money.

Overcoming Mortgage Hurdles Together

It can often be quite a challenge to overcome any mortgage hurdles that come your way. At this stage, it’s beneficial for you to speak with a trusted and reputable mortgage advisor in Cardiff.

 

We tend to see hurdles such as customers having a low credit score, being self-employed, being outside of lender criteria and having a low borrowing capacity, just to name a few. Whilst difficulties are present, as a mortgage broker in Cardiff, we can usually help.

 

Here at Cardiffmoneyman, our Mortgage Advisors in Cardiff have helped various customers in all kinds of situations. We use our in-depth knowledge of mortgage lender criteria to provide expert mortgage advice in all kinds of situations.

Free Appointment – Mortgage Advisor in Cardiff

As a well-known Mortgage Broker in Cardiff with a reputation for being open, honest, reliable and responsive, we offer all our customers, new or existing, the opportunity for a free mortgage appointment.

 

During this appointment, your designated Mortgage Advisor in Cardiff will review your situation, taking a look at what you’d like to achieve. Our customers are our number one priority, and as a mortgage broker in Cardiff, we’ll make sure we recommend the best possible deal to you, easing your stress as we go.

 

Book your free mortgage mortgage or remortgage review today and we’ll look at how we are able to help you on your mortgage journey!

Mortgage advice in Cardiff – Options:

First Time Buyer Mortgage Advice Cardiff

Our Mortgage Advisors in Cardiff are here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Cardiff

Simply, wanting Mortgage Advice in Cardiff, such as knowing how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Cardiff

Seeking a better mortgage deal by using our Mortgage Broker in Cardiff, to reduce or extend the term, to add or remove a name, or raise money on your home?

We search 1000's of mortgage deals across a large number of lenders, including:

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Common mortgage questions

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.

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%.

Your first job is to carry out our mortgage Fact Find so that we can get an idea of your mortgage needs and what sort of deals you want to be looking for.

Afterwards, we will book you in with a Mortgage Advisor in Cardiff who will get a couple more pieces of information from you.

Then we can arrrange an Agreement in Principle for you within 24-hours to increase the chances of the seller accepting your offer.

If you’ve found yoru dream home, and are happy with our mortgage recommendation, we can start the mortgage application process! A formal mortgage offer can take longer than 3 weeks, during which, we will keep you informed with the progress of your application.

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.

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.

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
– Photographic ID

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.

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
– Debt Consolidation
– Home Improvements
– Second Home
– Marital / Relationship Breakdown

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: 10 Consort Court, Hull, HU9 1PU.

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

© 2022 Cardiffmoneyman

Cardiffmoneyman, 4th Floor, 14 Museum Place, City centre, Cardiff, CF10 3BH.

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