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.Speak to an Advisor - It's Free!
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.
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:Our Reviews
As a Mortgage Broker in Swansea, we work with lots of first time buyers in Cardiff and surrounding areas, 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.
If you are moving home in Cardiff and surrounding areas, 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!
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 buy to let mortgages in Cardiff and surrounding areas, 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.
When approaching the end of your fixed mortgage term, you will need to think about remortgaging. Looking at remortgaging in Cardiff and surrounding areas is ideal when 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.
Our Customers Love Us
5.00 Rating8 Reviews
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 month ago
Very efficient, communication was excellant, and really helped as first time buyers advising the steps as we went!
3 months ago
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.
6 months ago
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...
7 months ago
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 😀
1 year ago
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...
3 years ago
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...
3 years ago
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!
3 years ago
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.
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.
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.
Here we can help you prepare your mortgage application and get it ready to submit. It’s just a waiting game now!
Getting mortgage advice in Cardiff and 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 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.
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.
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.
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.
Your dedicated Mortgage Advisor in Swansea and your case manager will be right by your side throughout the whole process.
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!
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 Swansea. 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 Swansea 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 Swansea, 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 Swansea.
First of all, your free mortgage consultation should last around 30-60 minutes. Once this is complete, your Mortgage Advisor in Swansea 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:
During your mortgage application in Swansea, if you’re Self-Employed, you’ll need to submit at least one year’s accounts. As a Mortgage Broker in Swansea, 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: