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Yes, it’s possible to secure a bad credit mortgage in Cardiff, even if you’ve experienced financial challenges such as missed payments, defaults or CCJs.
While some lenders may be cautious, many specialist lenders offer tailored products for those with bad credit.
Our team of mortgage advisors in Cardiff are here to help you navigate the process, ensuring you find the best options for your circumstances.
Getting a mortgage with bad credit in Cardiff can be more complicated, but it’s not impossible.
Start by reviewing your credit score and addressing any inaccuracies. You’ll also need to provide evidence of your income and affordability.
Working with a specialist mortgage broker in Cardiff like us may increase your chances of approval; we have access to 1000s of mortgage options and lenders that offer specialist products.
As a dedicated mortgage broker in Cardiff, we specialise in helping clients secure mortgages with bad credit.
Our experienced mortgage advisors in Cardiff work closely with you to understand your situation, guide you through improving your credit and connect you with lenders offering competitive deals.
We’re here to make your homeownership journey as smooth as possible.
Our Customers Love Us
5.00 Rating15 Reviews
Adrian
Excellent service
1 month 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.
4 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.
5 months 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!!
5 months 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...
6 months 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...
6 months ago
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
9 months 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.
1 year 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...
1 year 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
Yes, getting a bad credit mortgage in Cardiff may still be possible even with a County Court Judgement (CCJ) on your record.
Some lenders specialise in offering mortgages to those with adverse credit, including CCJs.
Our mortgage advisors in Cardiff will help you explore your options and find a suitable lender.
For a bad credit mortgage in Cardiff, you might need a higher deposit than those with a good credit score, typically around 10-15% of the property value.
The exact amount will depend on the severity of your credit issues and the lender’s requirements.
Speaking to a mortgage broker in Cardiff will help clarify your options.
Bad credit can lead to higher interest rates, as lenders view these cases as carrying more risk.
That said, it still may be possible to find competitive rates by exploring specialist lenders.
Our mortgage advisors in Cardiff will carefully review your mortgage situation and recommend a product tailored to your personal circumstances.
Not all lenders are willing to consider applicants with bad credit in Cardiff.
However, there are specialist lenders who focus on bad credit mortgages in Cardiff.
A mortgage broker in Cardiff like us can help you identify which lenders are more flexible based on your specific credit profile.
Yes, improving your credit score, paying off any outstanding debts, and saving for a larger deposit can all help increase your chances of securing a bad credit mortgage in Cardiff
Our mortgage advisors in Cardiff can guide you through these steps to strengthen your application.
Yes, it can be possible to remortgage with bad credit in Cardiff.
Many people choose to remortgage with bad credit in Cardiff to consolidate debts or secure better rates.
A mortgage broker in Cardiff like us can help you find lenders who will consider your application despite your credit challenges.
When applying for a bad credit mortgage in Cardiff, you’ll need proof of income, a detailed credit history, bank statements, and identification.
Getting mortgage advice in Cardiff can help ensure you gather the right documents for a smoother application process.
We offer a free mortgage appointment where our experienced mortgage advisors in Cardiff will discuss your financial situation and goals.
This initial chat helps us understand your needs, ensuring we can guide you to the best bad credit mortgage solutions.
After assessing your situation, we'll explore various mortgage options in Cardiff, including products tailored for bad credit.
Our team works with a range of lenders to find the most suitable and competitive offers available to you.
Once we've found the right deal, we’ll help you with your mortgage application, ensuring all necessary documents are in place.
Our mortgage brokers in Cardiff will manage the process for you, ensuring your application is submitted smoothly and efficiently.
When your mortgage offer is accepted, we’ll guide you through to completion, ensuring all final steps are handled with care.
Our aim is to make the entire process as stress-free as possible, from start to finish, helping you secure your bad credit mortgage in Cardiff without hassle.
We offer a free mortgage appointment in Cardiff, where our expert mortgage advisors will assess your needs without any upfront costs.
This gives you a no-obligation opportunity to explore your bad credit mortgage options in a stress-free environment.
With access to 1000s of mortgage products, including those designed for bad credit, we’ll help you find the best deal for your unique situation.
As a leading mortgage broker in Cardiff, we work with a wide panel of lenders to secure the right product for you.
Our commitment to delivering excellent customer service sets us apart.
We support you throughout the mortgage process, ensuring that you feel informed and confident in every decision.
As trusted mortgage advisors in Cardiff, we’re here to simplify your journey.
We understand that life is busy, which is why we’re available 7 days a week to offer you mortgage advice in Cardiff.
Whether it’s a weekday or weekend, we’re ready to assist you with all your mortgage needs, including bad credit mortgages.
If you’ve had a County Court Judgement (CCJ), securing a mortgage in Cardiff can feel challenging, but it’s still possible.
Many lenders specialise in offering bad credit mortgages to those with CCJs, and with the right guidance from our mortgage advisors in Cardiff, we can help you find the right deal to suit your circumstances.
A default on your credit record can make some lenders hesitant, but specialist lenders are available to help you secure a mortgage with a default in Cardiff.
Our team of mortgage advisors in Cardiff will search the market for the best options, ensuring you still have access to a competitive mortgage product despite past financial issues.
A low credit score can limit your mortgage choices, but there are still solutions available.
As experts in bad credit mortgages in Cardiff, we can connect you with lenders who are willing to consider applications from those with lower credit scores.
We aim to help you find a mortgage that fits your needs and financial situation.
Being on a Debt Management Plan (DMP) can complicate your mortgage search, but specialist lenders can still offer mortgages with a DMP in Cardiff.
Our experienced mortgage advisors in Cardiff will guide you through the process, finding lenders who are more understanding of your situation and can offer you a suitable mortgage.
If you’re looking to manage your debts, a debt consolidation remortgage in Cardiff could be the right choice.
By consolidating your existing debts into your mortgage, you may lower your monthly payments and simplify your finances.
Our mortgage brokers in Cardiff can help you explore the best remortgage options available for debt consolidation.
Read our 15 Reviews
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
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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: 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
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