Mortgage Broker in Swansea | Mortgage Advice in Cardiff

Mortgage Broker in Swansea

Get your free consultation 7 days a week

Reviews io White Logo

Read our Reviews

Reviews IO Stars

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Malcoms Image

Mortgage Advice in Swansea from advisors with over 20 years of experience. In Swansea, we will hold your hand through the whole mortgage process.

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

Book Online

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

Malcoms Image

Mortgage Advice in Swansea from advisors with over 20 years of experience. In Swansea, we will hold your hand through the whole mortgage process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars5.00 Rating4 Reviews

Mortgage Broker in Swansea – Trusted Mortgage Advice Swansea

“It’s not just about the mortgage, it’s about the journey”

 

We are here to help you through your whole mortgage journey; starting from your initial enquiry, we will be able to try and find you the perfect mortgage deal that matches your personal and financial circumstances. Once we have found you a deal, we can begin preparing your mortgage application.

 

We have been helping all different types of customers for over 20 years now. Working with first time buyers, home movers, local landlords and the self employed has allowed us to understand all mortgage types and the complicated situations that often come with them. It is not unusual for us to be presented with a complex case, so when we do, we do our best to get through it with the aim to get you a great mortgage offer.

 

We want to make the home buying process as easy as possible. Our team do this by breaking down every detail of every stage of the process. Our Mortgage Advisors in Swansea are fully equipped with the knowledge and skills to be able to try and help you through your mortgage process. All that you need to do is get in touch with our team by giving us a call or booking a free mortgage appointment online.

Your Mortgage Options in Swansea

We love working with all different kinds of buyers. Our job is to try and get you through the mortgage process no matter the situation:

First Time Buyer Mortgages in Swansea

As a Mortgage Broker in Swansea, we work with lots of first time buyers who are looking to take that step onto the property ladder. It can be very hard to know how to start your journey, especially since you have never done anything like this before. That is why we want to offer you a helping hand.

 

To start, we will run through your affordability for a mortgage in Swansea, working out how much you can borrow. This will help us work out what sort of mortgage products we need to look for on your behalf. Remember that your Mortgage Advisor in Swansea will look at deals that suit your personal and financial situation.

 

For first time buyer Mortgage Advice in Swansea, book a free mortgage appointment, call our team or check out our first time buyer mortgage guides.

Moving Home Mortgages in Swansea

If you are Moving Home in Swansea, you will have been through this process before. If you remember the first time around, you will know that it can be stressful, however, this time you will have to factor in that you are also selling a property.

 

We have experienced Mortgage Advisors in Swansea that can help you arrange a new mortgage or, if the option is there, help you port your mortgage to your new property. You can put your feet up and search for your new property whilst we sort the mortgage side of things!

Buy to Let Mortgages in Swansea

New and current buy to let landlords would benefit from our expert mortgage advice service. We have developed many strong relationships with local landlords over the years working as a Mortgage Broker in Swansea, and we would like to work with you next.

 

We have many different types of lenders on panel, each holding various buy to let mortgage products. We can search through 1000s of mortgage products in order to try and find the best one for you and your property. We will also consider your personal and financial situation when selecting a product.

 

Please note that you will usually need a 20% deposit for a buy to let mortgage in Swansea.

Remortgage in Swansea

When approaching the end of your fixed mortgage term, you will need to think about remortgaging. Remortgaging is when your current mortgage deal ends and you take out another product. You do not have to stick with the same lender to complete your remortgage, you can shop elsewhere if there are better deals! This is where we come in; our job is to help you find the best, competitive remortgage deal available to you in your individual situation. We will search the whole market to try and find a deal that suits your mortgage needs.

 

Depending on the initial deal that you took out, you may need to remortgage once every 2-5 years. When your remortgage comes around, we will be here to help!

 

If you are Self Employed in Swansea, you will find that the mortgage process remains the same; the only difference is that you will need to provide more evidential documents to support your income and affordability.

Why Choose us as your Mortgage Broker in Swansea?

Our mortgage advice service is valued by many happy customers; you can see for yourself in our amazing reviews! From your initial point of contact, you will already feel at home and comfortable at all times. Your dedicated Mortgage Advisor in Swansea and your case manager will be right by your side throughout the whole process.

 

We will always be transparent with you. Our advisors aim to find you the best deal for your personal and financial situation, however, if they cannot find you a better deal, they will tell you so. We believe that you should be given advice that has your best interests.

 

Getting Mortgage Advice in Swansea has never been easier with our modern appointment booking system. You are able to book a mortgage appointment in real-time and select a date and time that suits your day-to-day schedule.

 

On top of this, we are also available 7 days a week! This ensures that you can get in touch at a time that best suits you.

 

On panel, we have many different lenders, each with both high street and specialist products that we can access. It is down to us to try and find the best deal for you and your new home.

Our Simple 4-Step Process in Swansea

Step 1 – Book your free mortgage appointment in Swansea. We will pair you with a Mortgage Advisor in Swansea based on the information that you have provided.

 

Step 2 – During your free mortgage appointment, your Mortgage Advisor in Swansea will gather some information from you so that they can see what types of mortgages you could be eligible for.

 

Step 3 – We will present you with a mortgage recommendation. It is up to you whether or not you choose to advance with us and this deal.

 

Step 4 – Here we can help you prepare your mortgage application and get it ready to submit. It’s just a waiting game now!

Declined by your Bank in Swansea?

If you have previously been declined by your bank, it may be time to get Mortgage Advice in Swansea. If you keep applying for products and get declined, you could massively harm your credit score. This could also impact your ability to get accepted for a mortgage.

 

We will need an up-to-date copy of your credit report at the very start of the mortgage process. This will help us get an idea of your credit rating and how you manage your finances.

 

If you need help and you are struggling with starting the mortgage process, don’t hesitate to get in touch with our team. We are a Mortgage Broker in Swansea and it is our job to help you. You can book a free mortgage consultation online or you can give us a call to ask a question, you choose!

About Us

Customer service is at the heart of everything we do, and we are incredibly proud of the work we put in to ensure you are happy with the process. Whether you are dealing with a mortgage advisor or a mortgage administrator, our amazing team are here morning until late 7 days a week, to ensure you receive the support necessary for your mortgage needs. We love being quick and responsive when you get in touch with us!

Find Your Mortgage Broker in Swansea on Social Media

We actively post updates on our company Facebook and Twitter pages, sharing news and mortgage tips from our website on a regular basis. It is always worth checking up to see if there is something that may be able to help you or shed some clarity. We have quick fingered people monitoring messages daily, ready to respond to any direct message enquiries you send our way.

Stress-Free Remortgage Advice in Swansea

When it comes to the remortgage process, you do not need to be as stressed as you were the first time. Remember, you already own the property now so you can avoid the property chain and cut straight to the point. We will do what we can to ensure that this time around things go as quickly and as smoothly as they possibly can.

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

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006

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.

Moneyman Logo







Moneyman Logo




Moneyman Logo

Ask Your Question





    Moneyman Logo

    Moneyman Logo







    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo