Open & Honest Mortgage Advice in Monmouth

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Providing expert mortgage advice in Monmouth

Welcome to our page for mortgage advice in Monmouth. We are a mortgage broker in Monmouth with over 20 years of experience in providing mortgage advice and helping customers achieve their home owning dreams. It’s our job to offer support and guidance throughout your entire mortgage process. Your dedicated mortgage advisor will support you from start to finish, keeping you in the loop 100% of the time.

We like to encourage our customers to ask questions any time they aren’t sure of something, in order to make sure they’re secure and comfortable no matter where they are in their mortgage process. We often find that customers can face “mortgage hurdles. By getting in touch with an experienced and professional mortgage advisor in Monmouth, you may find yourself eased of stress.

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Popular Mortgage Scenarios in Monmouth

All of our customers receive a free mortgage appointment!

Thanks to our 20 plus years of experience and industry knowledge as a mortgage broker in Monmouth, there is rarely a situation we don’t have an answer for. Our team of mortgage advisors love a good challenge, no matter how big or small it may be! Your personal circumstance may not be listed on the page but worry not, we may still have come across it before. With this in mind, it is still worth getting in touch to see if we are able to help you out.

Our Reviews

Popular Mortgage Scenarios in Monmouth

First Time Buyer in Monmouth

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As a first time buyer in Cardiff and surrounding areas, embarking on one of the biggest financial commitments can be overwhelming, leaving you unsure where to start. Our friendly team will be with you every step of the way, from the first point of contact to handing over the keys, providing regular updates on the status of your application, and minimising technical jargon. Speaking with a First Time Buyer Mortgage Advisor in Cardiff & Monmouth has never been easier. Simply book online for your free mortgage appointment or contact us today.

Our process begins with a comprehensive assessment of your financial background through a series of questions. From there, we conduct an affordability assessment to determine which deals are available to you. Your designated advisor will then sift through all mortgage deals to find the one that best suits your unique situation. Within 24 hours of your initial appointment, they will also obtain an Agreement in Principle for you. Your advisor is available to answer any questions you may have, so don't hesitate to ask.

Moving Home in Monmouth

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Moving home in Cardiff and surrounding areas can be a more familiar process for you, but managing the simultaneous buying and selling of properties can be challenging. Our team is equipped to manage the mortgage side of things, making the process easier for you.

There are a lot of reasons why someone would look to move home with the most popular one being to live in a larger property. If this is a circumstance you are in, it's good to check your affordability prior to taking viewing and making offers. We can help you with working up a budget so you know what types of properties you can afford in Monmouth.

Buy to Let in Monmouth

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With years of experience in the mortgage industry, we have developed close and long-lasting relationships with numerous Buy to Let landlords. Whether you're a first time buyer landlord or have an existing portfolio, we are here to assist you!

We offer a range of mortgage options, including HMO, Holiday Let, Let to Buy, and more. Our mortgage advisor in Monmouth can help with buy to let mortgages in Cardiff and surrounding areas, and help you explore your Buy to Let options and find the most suitable one for you.

Remortgaging in Monmouth

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As your fixed mortgage term approaches its end, it's time to consider remortgaging in Cardiff and surrounding areas. This involves switching to another mortgage deal to avoid falling onto your lender's standard variable rate of interest. We can assist you in finding competitive rates and products in the market. If you've kept up with your repayments, you may find that you have competitive rates available to you.

Aside from finding a better deal, many individuals choose to remortgage for purposes such as home improvements, releasing equity, or consolidating debt into their mortgage.

Our Customers Love Us

Reviews Stars5.00 Rating6 Reviews

Our Simple 4-Step Process

Book Online

Step 1

Booking your free mortgage appointment is easy with our online process. Simply choose your preferred date and time, and we will connect you with an expert mortgage advisor in Monmouth. They will take the time to understand your situation and assess your affordability.

Free Mortgage Apppointment

Step 2

During your appointment, your advisor will provide you with an Agreement in Principle, typically within 24 hours. Using this information, they will search for a suitable mortgage product that meets your needs.

Finding a Suitable Product

Step 3

Once you are satisfied with the mortgage product, we will proceed with your application. Our team will handle the application process, ensuring that it is completed accurately and efficiently.

Submit Your Application

Step 4

Finally, we will submit your mortgage application to the lender and work with them to get it approved. We will keep you informed throughout the process and answer any questions you may have.

Reasons to Choose us

Free Appointment in Monmouth

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Booking a free appointment with one of our mortgage advisors in Cardiff and surrounding areas is quick and easy with our online system. We are available seven days a week to answer any questions you may have, whether you are seeking mortgage advice, equity release, or insurance products.

Search 1000s of products

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Unlike the mortgage advisors at banks, who can only offer products from their own institution, our team has access to a panel of lenders, including those with specialist mortgage products. Furthermore, securing an appointment with a bank's mortgage advisor can be challenging and frustrating, especially if you are actively looking at properties or ready to make an offer.

As professional mortgage broker in Cardiff and Monmouth with extensive knowledge and experience, we can help you compare deals from various lenders and find the right mortgage product for your unique situation.

Our Service

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We are very proud of the level of customer service we provide, doing what we can to make sure our customers are in safe hands from initial contact. Our genuine customer reviews are proof of our dedication, please feel free to give them a read!

Taking advantage of our free mortgage consultation will be incredibly beneficial to you; we look forward to you getting in touch!

7 Days a Week

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We work around you and your commitments, booking you in for whatever time suits you the best. There is always someone available to answer your mortgage questions 7 days a week. Our journey together is strictly confidential, protecting your details, ensuring you are comfortable and secure every step of the way!

We are very proud of the level of customer service we provide, doing what we can to make sure our customers are in safe hands from initial contact. Our genuine customer reviews are proof of our dedication, please feel free to give them a read

Taking advantage of our free mortgage consultation will be incredibly beneficial to you; we look forward to you getting in touch!

Malcolm and Amy Davidson - Mortgage Advice in Cambridge

Common Mortgage Questions in Monmouth

Why use a mortgage broker in Monmouth for purchase or remortgage advice?

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It is quite common for people who are first-time buyers to seek the aid of a mortgage broker in Monmouth, as without any experience under their belt, they may not know what to do.

That being said, even if you’ve done this before and are moving home or taking out a Remortgage, you may find going to a mortgage broker very beneficial. We are experts at saving both time and money, dedicated to finding you the most appropriate mortgage deal for your personal situation.

We’ll put in the work on your behalf! Using our in-depth knowledge of lender criteria, we will be able to compare your needs with thousands of different mortgage products, doing our best to find one with a competitive rate and that is most ideal for your financial circumstances.

If you are looking at the possibility of remortgaging, we are also able to discuss this with you. You have a variety of options, including capital raising for home improvements or paying off existing credit cards and loans.

By getting in touch with a mortgage advisor in Monmouth, you could end up with a much better deal; we use our expertise to find one that benefits you!

How does the free initial mortgage consultation work?

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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 Monmouth. 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.

How much deposit do I need in Monmouth?

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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%.

Can I get a mortgage with previous credit problems?

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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%.

How does the mortgage process work?

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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 Monmouth 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.

When should I obtain an Agreement in Principle?

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As a Mortgage Broker in Monmouth, 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.

How long does an Agreement in Principle last?

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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 Monmouth.

How long does the process take?

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First of all, your free mortgage consultation should last around 30-60 minutes. Once this is complete, your Mortgage Advisor in Monmouth 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.

What documents will I need to send?

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During your mortgage application, you’ll be asked to provide evidencing documents:

  • Proof of income (last 2/3 months bank statements or SA302 tax returns if you are self-employed).
  • Proof of deposit.
  • ID & current address.
  • Latest or current P60.
  • Proof of rental income.

Will I be able to get a second mortgage in Monmouth?

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During your mortgage application in Monmouth, if you’re Self-Employed, you’ll need to submit at least one year’s accounts. As a Mortgage Broker in Monmouth, 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.

Are there fees involved in Remortgaging?

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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 mortgage
  • Debt Consolidation
  • Home Improvements
  • Second Home Mortgage
  • Marital / Relationship Breakdown

How does the free remortgage consultation work?

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The same fees that were involved with your first mortgage purchase will be similar to those when you Remortgage. Your Remortgage Advisor in Monmouth will run through all of the costs and fees so that you know exactly what you are paying for.

Can I consolidate my debts into my mortgage?

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Your free Remortgage consultation will last around 30-60 minutes. During your consultation, your dedicated Remortgage Advisor in Monmouth will learn a little more about your Remortgage needs and situation. With this information, they can then go and search for the perfect deal for you.

We will always be open and honest with you; if we can’t find you a better product, we will be transparent with you and tell you so.

Why should I bother to remortgage?

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Yes, you can consolidate your debts into your mortgage, but you should only do so if it’s absolutely necessary.

If you have built up any unsecured debts, you can remortgage and increase the size of your mortgage to incorporate the debt. There are downsides to debt consolidation though, so sometimes it may be beneficial to speak to a professional Mortgage Advisor in Monmouth.

How much deposit do I need for a buy to let?

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You should always keep on top of when it’s time for you to Remortgage. When you come to the end of your mortgage term, you will slip onto your lender’s standard variable rate of interest (SVR). A lenders SVR is not going to be their best rate, so before you end up on their SVR, you should search for Remortgage / product transfer deals.

More often than not, assuming that mortgage payments have been kept up-to-date, people are able to access a better mortgage rate and don’t even know it. All you need to do is shop around or appraoch a Mortgage Broker in Monmouth like us.

How much deposit do I need for a right to buy mortgage?

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Whether you’re a current or aspiring landlord, you’re usually going to need 20%-40% of the property value for a Buy to Let in Monmouth. Typically, it’s around the 25% mark.

How much deposit do I need for Help to Buy?

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It’s likely that you’ll be given a council discount on your Right to Buy; as a Mortgage Broker in Monmouth, we’ve found that most lenders will use this as your deposit.

However, we’ve also seen that some lenders will still require a deposit for your Right to Buy mortgage on top of the discount. If you’ve had a poor credit history, lenders are likely to use this approach.

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Foundation Home Loans & 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

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