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Work out how much you can borrow based on your income and deposit size.
The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.
While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.
Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.
The mortgage application process can vary depending on your situation and chosen lender.
Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.
This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.
Getting a mortgage with bad credit can be more challenging, but it’s not impossible.
Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).
Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.
To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.
Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.
Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.
As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.
We guide you through every step, from finding the best rates to managing your application, ensuring you get the right mortgage for your unique circumstances.
Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the best outcome for you.
Our Customers Love Us
5.00 Rating16 Reviews
Eilish
Great service
3 months ago
Adrian
Excellent service
7 months 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.
10 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.
1 year 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!!
1 year 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...
1 year 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...
1 year ago
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
1 year 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.
2 years 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...
2 years 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
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Read our 16 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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Cardiffmoneyman 2025.
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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Cardiffmoneyman 2025.
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