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A 95% mortgage in Cardiff allows you to buy a home with just a 5% deposit, covering the remaining 95% with a mortgage.
This is a popular option for first time buyers struggling to save a large deposit.
Many lenders offer these mortgages, helping more people step onto the property ladder.
Most 95% mortgages in Cardiff are available to first time buyers and home movers who meet lender criteria.
Your income, credit history, and affordability will be assessed to ensure you can manage the repayments.
Some schemes also support those with smaller deposits, making homeownership more accessible.
To secure a 95% mortgage in Cardiff, you’ll need to prove you can afford the repayments, have a stable income, and meet the lender’s requirements.
A good credit history can improve your chances of approval.
Our mortgage advisors in Cardiff can help you find the right lender and guide you through the application process.
Our Customers Love Us
5.00 Rating16 Reviews
Eilish
Great service
3 weeks ago
Adrian
Excellent service
5 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.
8 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.
9 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!!
9 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...
10 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...
10 months 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.
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
Lenders often charge slightly higher interest rates on 95% mortgages in Cardiff because they are seen as higher risk.
However, with a good credit score and strong affordability, you may still access competitive deals.
As a mortgage broker in Cardiff, we can help you find the best available rates for your circumstances.
It can be more challenging, but some lenders may still consider your application depending on the severity of your credit issues.
A larger deposit, stable income, and improving your credit score before applying can boost your chances of approval.
Some lenders accept 95% mortgages in Cardiff for new-build houses, but flats are usually restricted due to higher lending risks.
If you’re looking at a new-build, we can check which lenders are most likely to approve your application.
Yes! Many lenders accept gifted deposits from family members, as long as the money is a genuine gift and not a loan.
You’ll need a letter confirming this, which we can help arrange as part of your mortgage application.
The amount you can borrow depends on your income, financial commitments, and credit history.
Most lenders offer between 4 to 4.5 times your annual salary, but this varies.
Getting mortgage advice in Cardiff can help you work out how much you could borrow.
Before you start house hunting, it’s a good idea to speak with our mortgage advisors in Cardiff.
We’ll assess your financial situation, explain your options, and check if a 95% mortgage in Cardiff is right for you.
A Mortgage Agreement in Principle (AIP) shows how much a lender is willing to offer you.
This can strengthen your position when making an offer on a property, as sellers will see you’re a serious buyer.
Once you’ve found a home, we’ll help you complete your mortgage application.
The lender will assess your income, credit history, and affordability before making a formal mortgage offer.
After your mortgage offer is accepted, your solicitor will handle the legal work.
Once everything is finalised, you’ll receive your keys and officially become a homeowner with your 95% mortgage in Cardiff.
Our mortgage advisors in Cardiff have extensive experience helping buyers secure 95% mortgages.
We understand lender criteria and will find the best deals suited to your situation.
From your first enquiry to collecting your keys, we’ll be there to guide you.
We handle the paperwork, liaise with lenders, and keep you updated, making the mortgage process as smooth as possible.
As a mortgage broker in Cardiff, we have access to a broad selection of lenders, including those offering 95% mortgages in Cardiff.
This gives you more options and increases your chances of securing a great deal.
We know that life is busy, which is why our mortgage advisors in Cardiff are available every day of the week.
Whether you need an evening chat after work or a weekend appointment, we’re here at a time that suits you.
Saving a large deposit can take years, especially with rising house prices.
A 95% mortgage in Cardiff allows you to buy with just a 5% deposit, helping you secure a home much sooner than if you waited to save more.
This is a great option for first time buyers eager to stop renting and start investing in their own property.
Many lenders offer 95% mortgages in Cardiff, meaning there are competitive deals to choose from.
While rates may be slightly higher than those for larger deposits, lenders often provide flexible options to suit different financial situations.
As your mortgage broker in Cardiff, we can help you find the right deal for your circumstances.
Buying a home comes with additional costs, such as solicitor fees, surveys, and moving expenses.
With a 95% mortgage in Cardiff, you won’t need to use as much of your savings for a deposit, leaving you with more financial flexibility to cover these extra costs.
Whether you’re renting or living with family, saving for a large deposit can be challenging.
A 95% mortgage in Cardiff helps you take that first step towards homeownership with just a 5% deposit.
Instead of waiting years to save more, you can move into your own home and start building equity much sooner.
If you’re struggling to save, a 95% mortgage in Cardiff can sometimes be combined with other schemes, such as the First Homes scheme or Shared Ownership.
Our mortgage advisors in Cardiff can explain what options are available and how they might work for you.
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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