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A 90% mortgage is a home loan where the lender provides 90% of the property’s purchase price, and you fund the other 10% through your deposit.
For example, a property in Cardiff costs around £269,000, so a 10% deposit would be approximately £26,900, with the remaining £242,100 financed by the lender.
Working with a mortgage advisor in Cardiff gives you access to expert mortgage advice and guidance on the most suitable 90% LTV deals available.
Securing a 90% LTV mortgage in Cardiff is possible for many applicants who meet a lender’s requirements.
Your affordability, credit history, and employment will all decide the outcome of your mortgage application.
Demonstrating reliable income and responsible money management can increase the likelihood of approval.
A mortgage broker in Cardiff can offer valuable mortgage advice, helping you understand which lenders are most likely to approve your 90% LTV mortgage and what steps to take before applying.
For those buying in Cardiff, saving a larger deposit, ideally 15% or 20%, can help you access more lenders and potentially reduce your mortgage costs.
Increasing your contribution also gives you greater flexibility when comparing available deals.
If you have family support, a gifted deposit can be a valuable addition to your savings.
A mortgage advisor can provide clear mortgage advice in Cardiff to help you prepare and move forward with confidence.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
5.00 Rating19 Reviews
Adam
Very helpful throughout the process and on the phone, helpful during the buying process to understand what mortgage rates I would be likely to get and advice on what properties were less suitable than others for offers.
Daniela
Very helpful throughout the whole process. Useful advice and no nonsense. Worked quickly and I received regular updates and did not need to chase people up for things to get done. Very satisfied and will definitely use the service again if needed in...
Lewis
Wayne was absolutely fantastic, and a pillar of support before, during and after we obtained our mortgage offer. I would absolutely recommend Wayne and MoneyMan again!
Eilish
Great service
Adrian
Excellent service
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.
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.
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!!
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...
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...
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
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.
Charleigh
Very efficient, communication was excellant, and really helped as first time buyers advising the steps as we went!
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.
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...
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 😀
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...
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...
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!
Book a free initial appointment in Cardiff to discuss your mortgage goals and explore your options.
A mortgage advisor in Cardiff will assess your circumstances, answer your questions, and explain how a 90% mortgage could help you buy your home.
It’s an easy, obligation free initial mortgage appointment
As a professional mortgage broker in Cardiff, we can search thousands of deals from across the market to find one that suits you.
We compare lenders, rates, and product features, giving you access to competitive choices that match your situation and goals.
Once you’ve chosen the right deal, your mortgage advisor in Cardiff will submit your application and handle all communication with the lender.
We’ll guide you through each step, ensuring a straightforward and transparent experience from beginning to end.
After your mortgage is complete, we’ll help you explore ways to protect both your home and your financial future.
This includes reviewing insurance options such as life cover and income protection.
Our focus is on keeping you and your mortgage protected long after you move in.
Our free initial mortgage appointment in Cardiff allows you to discuss your situation with an experienced mortgage advisor.
Whether you’re buying your first home or reviewing your current deal, we’ll explore how a 90% mortgage in Cardiff could work for you.
There’s no obligation, just practical, reliable advice to help you make informed decisions about your next steps.
As your mortgage broker in Cardiff, we have access to 1000’s of mortgage products from multiple lenders across the market.
We’ll compare each option carefully, taking into account your financial goals and circumstances, to recommend a mortgage that suits you best.
Our aim is to make the process easier, quicker, and more transparent from start to finish.
We pride ourselves on offering a personal and professional service that puts your needs first.
Your mortgage advisor will manage the process from beginning to end, handling communication with lenders, completing paperwork, and keeping you updated at every stage.
Our focus is on removing the stress and ensuring a smooth path to mortgage approval.
We understand that arranging a mortgage doesn’t always fit into a Monday-to-Friday schedule.
That’s why our team is available seven days a week to offer advice and support at a time that suits you.
Whether you’re arranging a call after work or prefer a weekend appointment, your mortgage broker in Cardiff will be here to help you move forward with confidence.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 19 Reviews
Cardiffmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Cardiffmoneyman 2009–2026
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Cardiffmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Cardiffmoneyman 2009–2026
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