It's Free to Speak to an Advisor, 7 days, 8am - 10pm

First Time Buyer Mortgages in Cardiff

It's free to speak with a mortgage advisor
7 days a week, 8am - 10pm

029 2010 2804 Book Online Now
Reviews IO Logo

Read our 14 Reviews

Reviews Logo

First Time Buyer Mortgages in Cardiff

Discover your borrowing potential and move closer to securing your dream home as a first time buyer in Cardiff.

Speak to an Advisor - It's Free!

Looking at Getting a First Time Buyer Mortgage in Cardiff?

Speaking to a mortgage advisor in Cardiff can be very beneficial if you are looking at starting your mortgage journey and want to know if you are eligible. It can save you a lot of time and money in the long run.

Your expert advisor will look at your circumstance and find you the most appropriate deal as soon as you are prepared to make a mortgage application.

Video BG One Video BG Two
First Time Buyer Mortgages in Cardiff

Finding you the right deal!

One of our mortgage advisors in Cardiff will look at your affordability so they can match you with the right lender. They will determine this by looking into your annual salary as well as other income you bring. Along with this, they will look at how you manage your outgoings and finances as well as your credit history. All of this will provide an indication of the amount you can borrow.

The mortgages available to you will also be impacted by the amount you want to deposit. Here at Cardiffmoneyman, we have access to a large panel of lenders with knowledge of their various criteria. Our mortgage advisors in Cardiff can find you the most appropriate deal by looking at your income, expenditure and credit history to get an overall idea of your financial circumstance.

We will be with you throughout the whole process!

As a first time buyer in Cardiff taking on such a significant purchase like a mortgage can be an exciting, however, a potentially overwhelming experience if you have little knowledge of the mortgage world. This is where we can help, our team can provide a friendly hand to help guide you through the mortgage journey answering any questions you may have along the way.

The first thing to mention is that you are not alone with feeling this way as the home buying process can sometimes come with its hurdles, however, our knowledgeable team strive in providing you peace of mind and take any stress away.

Our extensive experience as a friendly mortgage broker in Cardiff has provided us with the opportunity to help a plethora of first time buyers with their home buying dreams. Throughout the process, one of our expert mortgage advisors in Cardiff can provide you with support and answer any queries you may have along the way.

Video BG OneVideo BG Two
Speak to an Advisor - It's Free!

Common FAQs From First Time Buyers in Cardiff

How much can I borrow for a mortgage in Cardiff?

Accorion Arrow

We regularly find that first time buyers in Cardiff who are at the beginning of their process are wanting to know the maximum amount they could borrow. Our calculator page can provide you with a rough estimate on figures. Our mortgage advisors in Cardiff will be able to provide with a more accurate maximum loan amount.

What schemes are available to help first time buyers in Cardiff?

Accorion Arrow

There are many government schemes out there that are designed to help First Time Buyers fulfil their homeowning dreams. Some of these include Help to Buy Equity Loan, Lifetime ISAs as well as the Right to Buy Scheme. Have a look at our guides section of our website if you are looking for more insight about these.

Our team of Mortgage Advisors in Cardiff understand everything that is going on regarding the scheme available so will be able to answer any questions you may have about these.

Ready to make an offer on a property in Cardiff?

Accorion Arrow

When you have found your first home in Cardiff and are looking to make an offer, we advise that you begin looking at getting a mortgage agreement in principle (AIP). This is something our mortgage advice team will be able to help you with. You can increase your chances of getting your offer accepted against other potential buyers by having an agreement in principle.

Has your offer been accepted Cardiff?

Accorion Arrow

Our team can help kickstart the process of your full mortgage application as soon as you have had acceptance on a property. We always recommend that you speak to a Mortgage Broker in Cardiff prior to making an offer so we can check if you are eligible for a mortgage and get you an AIP sorted to back up your offers.

Need an Agreement in Principle (AIP)

Accorion Arrow

Mentioned above, it is very beneficial to have an AIP to back up any offers. Here at Cardiffmoneyman, our team can get you an agreement in principle sorted generally within 24 hours. Having this with you can show from the vendor’s perspective that you are serious and ready to proceed.

Declined by your Bank or Building Society?

Accorion Arrow

In the circumstance where you have been declined by your bank for a mortgage, there is a chance that our team can still help you. There are a number of reasons why the bank may decline your mortgage application. As a knowledgeable mortgage broker in Cardiff, we have access to a large panel of lenders who offer specialist products. Our team will look into your circumstance and advise you on the most appropriate path.

Get in touch if you are looking for first time buyer mortgage advice in Cardiff or you can book your free online mortgage appointment to speak to one of our expert mortgage advisor in Cardiff today. Our team are here 7 days a week to till late to answer any of your mortgage questions. We look forward to hearing from you!

Our Customers Love Us

Reviews Stars5.00 Rating14 Reviews

Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

It's key to speak about your financial situation as well as what you're looking to achieve with an expert mortgage advisor in Cardiff. Within your free mortgage appointment, your designated advisor will look into your income and expenses to work out the maximum amount you can borrow as a first time buyer in Cardiff.

Get in touch to schedule your free mortgage appointment and begin you mortgage journey towards getting your dream home.

We Can Search 1000s of Mortgage Deals

Step 2

Our team at Cardiffmoneyman have access to a large panel of lenders that offer a variety of products for first time buyers in Cambridge.

After you attend your free mortgage appointment we hit the ground running bu getting your mortgage agreement in principle sorted which can usually be sorted within 24 hours of your appointment.

With a mortgage agreement in principle, you can be confident in making offers on properties in Cardiff. This is because it shows the seller that ou are a in a serious position to proceed.

Submit Your Mortgage Application

Step 3

When you have got an offer accepted on a property, it is then time for your dedicated mortgage advisor in Cardiff to submit your full mortgage application and additional documentation to the lender.

Within the mortgage process, your case manager will inform you of any updates. We will provide a helping hand from the initial contact all the way to obtaining the keys to your new home.

Our team work hard in providing a service that is simple & stress-free. We work hard to make sure the outcome is smooth & successful.

Protecting You and Your Mortgage

Step 4

Here at Cardiffmoneyman, our service goes above getting a mortgage! As well as finding you the most suitable first time buyer mortgage deal, our team will find you the most suitable insurance to financially cover you and your loved ones.

Having protection whe getting a mortgage can provide a financial blanket in unexpected events like death, disability or job loss.

Having an insurance product that can cover mortgage payments making sure the borrower's family is not left with the financial burden of paying off the mortgage.

Why choose us for mortgage advice in Cardiff?

Free Mortgage Appointment

Accorion Arrow

Get in touch with our team to get yourself booked for your free mortgage appointment with one of our expert advisors today. We offer a free initial mortgage appointment to all our new/existing customers which can be carried out on the telephone or via Microsoft Teams video call.

Our team work hard in making the mortgage process as smooth and simple as possible. Within the process, your dedicated case handler will update you on your process and will keep technical jargon to a minimum.

1000s of Deals

Accorion Arrow

If you're a first time buyer in Cardiff, finding a suitable mortgage deal for your circumstances is crucial. That's why our team searches through thousands of options to find the best one for you. We're committed to supporting you throughout the process, as we believe it's not just about securing the right mortgage, but also about the journey towards achieving that goal.

Our Service

Accorion Arrow

Over the years we have helped hundreds of first time buyers in Cardiff to achieve their mortgage goals. Throughout that time, we’ve encountered various similar mortgage situations, as well as some unique. In any case, we’ll do whatever we can to help you as a first time buyer in Cardiff.

It is our job to provide fast and friendly mortgage advice in Cardiff. We will try and find the most suitable mortgage product for you. Book yourself in online for your free mortgage appointment using our online booking feature. It’s clear and simple, just like our mortgage advice service.

7 days a Week

Accorion Arrow

If you feel your situation is too complex for our team to help you don’t hesitate to get in touch as it is very likely we have encountered a mortgage scenario to yours before and can provide you with the appropriate Mortgage Advice in Cardiff seven days a week.

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

We Search 1000s of First Time Buyer Mortgages in Cardiff

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
Precise Logo
Pepper Money
Mortgage Works
Coventry Building Society
Natwest Mortgage Advice
Newcastle Building Society
Kensington Logo
Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common First Time Buyer Mortgage Scenarios

How much can you borrow for a mortgage in Cardiff?

Accorion Arrow

To determine the amount you can borrow for a mortgage, you have two options. You can use our affordability calculator or talk to one of our mortgage advisors in Cardiff. Speaking to our mortgage advisor will provide you with a more accurate estimate based on your unique situation.

The amount you can borrow for a mortgage is influenced by several factors, such as your income and earning potential. After completing a free affordability assessment, we can provide better guidance on your borrowing.

Ready to make an offer on a property?

Accorion Arrow

If you’re ready to make an offer on a property, it’s time to focus on the mortgage aspect. You can schedule a free mortgage appointment online with one of our knowledgeable mortgage advisors in Cardiff, subject to availability. If you’re fortunate, you may be able to book a same-day appointment.

Has your offer already been accepted?

Accorion Arrow

Once your offer has been accepted, it’s critical to secure your mortgage quickly. Partnering with a mortgage broker in Cardiff can expedite the process.

Looking for an agreement in principle ahead of your mortgage?

Accorion Arrow

An agreement in principle (AIP) is a crucial part of the mortgage process. It guides you through the majority of the process and informs the seller that you’re ready to proceed as soon as you provide supporting documentation. We can typically generate an AIP within 24 hours of your initial call.

Struggling to get accepted for a mortgage?

Accorion Arrow

As a first time buyer in Cardiff, obtaining a mortgage can be challenging. Consider enlisting the assistance of a mortgage specialist to navigate the process with ease.

Schedule your free mortgage appointment today to consult with a mortgage advisor in Cardiff.

Mortgage Guides & 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

Equity Release Council Logo Solla Later Life Logo
Facebook Image X Image Instagram Image YouTube Image LinkedIn Image SpotifyImage TikTok Image

Speak to an Advisor – It’s free!
7 Days a Week, 8am – 10pm

Speak to an Advisor – It’s Free Enquire Online 029 2010 2804
We use cookies to enhance your customer experience. More detailsGot It