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The Mortgage Guarantee Scheme in Cardiff is a government-backed initiative aimed at helping homebuyers secure a mortgage with just a 5% deposit.
Whether you’re a first time buyer or moving home, the scheme provides added security for lenders, making it easier to access competitive mortgage rates.
A mortgage broker in Cardiff like us can guide you through your options, ensuring you get tailored mortgage advice in Cardiff based on your needs.
The Mortgage Guarantee Scheme in Cardiff works by offering lenders the assurance to provide mortgages with lower deposits, typically as low as 5%.
The scheme helps first time buyers in Cardiff and existing homeowners alike, aiming to boost the housing market and make homeownership more accessible.
To understand whether or not you’re able to access the scheme, make sure to reach out to our mortgage advisors in Cardiff.
To qualify for the Mortgage Guarantee Scheme in Cardiff, you need to provide a deposit of at least 5%, and the property you wish to buy must be valued under £600,000.
The scheme is available for both first time buyers and home movers, but it doesn’t apply to buy to let or second homes.
Working with a mortgage broker in Cardiff like us can help you navigate the eligibility criteria and provide tailored mortgage advice in Cardiff to maximise your chances of approval.
To apply for the Mortgage Guarantee Scheme in Cardiff, you need to work with a lender offering the scheme.
An experienced mortgage broker in Cardiff like us can streamline the process by matching you with the right lender
Yes, the Mortgage Guarantee Scheme in Cardiff allows you to secure a mortgage with just a 5% deposit.
This scheme is designed to help first time buyers and home movers access the property market with a smaller deposit, offering lenders additional protection.
For the best deals, it’s recommended to get mortgage advice in Cardiff from an experienced mortgage broker in Cardiff like us, who can help you find suitable lenders.
The Mortgage Guarantee Scheme in Cardiff covers residential properties valued under £600,000, but it cannot be used for buy to let mortgages in Cardiff or second homes.
The scheme is ideal for first time buyers and those looking to move home.
For tailored mortgage advice in Cardiff, a mortgage advisor in Cardiff can help determine whether the property you’re interested in qualifies.
Having a CCJ can make it more challenging to secure a mortgage, but specialist lenders are available.
Some lenders may still consider you for the Mortgage Guarantee Scheme in Cardiff if you meet other criteria, such as a good recent credit history and stable income.
A mortgage broker in Cardiff with experience in CCJ Mortgages in Cardiff can guide you through your options.
The Mortgage Guarantee Scheme in Cardiff requires a minimum 5% deposit.
This makes homeownership more accessible to buyers with limited upfront funds.
For the best mortgage offers and tailored mortgage advice in Cardiff, working with a trusted mortgage advisor in Cardiff will ensure you’re fully aware of all your options.
While the Mortgage Guarantee Scheme in Cardiff opens up access to mortgages with a low deposit, interest rates can vary depending on the lender. Some may charge higher rates due to the smaller deposit.
Working with a mortgage broker in Cardiff like us can help you find competitive rates and give you valuable mortgage advice in Cardiff tailored to your financial situation.
Our Customers Love Us
5.00 Rating15 Reviews
Adrian
Excellent service
4 days 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.
3 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.
4 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!!
4 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...
5 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...
5 months ago
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
8 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.
11 months 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
Book your free mortgage appointment with a trusted mortgage broker in Cardiff who will discuss your eligibility for the Mortgage Guarantee Scheme in Cardiff.
Our experienced mortgage advisors in Cardiff are available to provide tailored mortgage advice and guide you through your options.
We have access to 1000s of mortgage products, including those that qualify under the Mortgage Guarantee Scheme in Cardiff.
Our team will search the market to find the best deal that suits your circumstances, ensuring competitive rates.
Once we’ve found the right mortgage for you, we’ll assist in preparing and submitting your mortgage application.
Your dedicated mortgage advisor in Cardiff will handle all the paperwork, keeping you informed every step of the way.
After your mortgage offer has been accepted, the final stage is completion, when the property officially becomes yours.
We will continue to offer support, ensuring a smooth transition as you receive the keys to your new home.
We offer a free mortgage appointment in Cardiff, making it easy for you to get expert advice without any upfront costs.
Our team of mortgage advisors in Cardiff is ready to provide personalised mortgage advice to help you navigate the Mortgage Guarantee Scheme.
With access to 1000s of mortgage products, we can find the most suitable deal for your unique circumstances.
Whether you’re looking to use the Mortgage Guarantee Scheme in Cardiff or another option, our experts will match you with the best offer available to you.
We pride ourselves on delivering excellent customer service throughout your home-buying journey.
From your initial inquiry to the moment you complete, our dedicated mortgage advisors in Cardiff will provide ongoing support and expert mortgage advice.
We’re here to assist you 7 days a week, so you can access mortgage advice in Cardiff whenever it’s convenient for you.
Whether it’s over the weekend or in the evening, our team will be available to help you every step of the way.
Yes, self-employed individuals can apply for the Mortgage Guarantee Scheme in Cardiff, though you may need to provide additional documentation, such as tax returns and proof of income.
A mortgage advisor in Cardiff can help you gather the necessary paperwork and provide tailored mortgage advice in Cardiff to ensure your application is successful.
The Mortgage Guarantee Scheme in Cardiff is designed to make homeownership more accessible for first-time buyers by enabling them to secure a mortgage with just a 5% deposit.
By working with a mortgage broker in Cardiff, you can receive expert mortgage advice and be guided through the process to find the best lender and rates for your first home purchase.
Yes, you can remortgage and switch lenders after securing a mortgage through the Mortgage Guarantee Scheme in Cardiff, though terms and rates may vary.
It’s a good idea to consult a mortgage broker in Cardiff to review your options and ensure you receive the best mortgage advice in Cardiff for your situation when considering a remortgage.
Yes, the Mortgage Guarantee Scheme in Cardiff applies to new builds, provided they meet the property criteria and are valued under £600,000.
For personalised mortgage advice in Cardiff, a mortgage advisor in Cardiff can help you explore your options and connect you with lenders offering competitive rates for newly built properties.
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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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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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