It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Help to Buy – Wales is a popular choice for first-time buyers, offering an equity loan of up to 20% on new-build homes priced up to £300,000.
With just a 5% deposit needed and no interest for the first five years, it makes homeownership more accessible.
The scheme has been extended multiple times, so checking the Welsh Government website or speaking to a mortgage advisor is the best way to stay up to date.
A mortgage broker in Cardiff can help you navigate the process, ensuring a smoother and less stressful experience.
There are a range of options under the help to buy a home scheme banner, designed to help homebuyers who have a small deposit and are looking for a mortgage.
The available schemes include Help to Buy – Wales (HtBW), Mortgage Guarantee Scheme & First-Homes Scheme.
If you require further information regarding these schemes, our mortgage advisors in Cardiff are available to help you and answer any queries you may have about the different schemes.
Using a mortgage broker for help to buy mortgage can make the process much smoother. A mortgage broker like us has access to a wide range of lenders, including those that may not be directly available to you.
We can help find competitive rates and explain the different criteria set by lenders, which can be especially helpful with the specific requirements of Help to Buy mortgages.
Our expertise can save you time and effort, guiding you through the paperwork while making sure you understand each step. Plus, we’ll focus on finding a mortgage that fits your needs, taking the stress out of the process.
Our Customers Love Us
5.00 Rating16 Reviews
Eilish
Great service
4 months ago
Adrian
Excellent service
8 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.
11 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
If you’re searching for a mortgage and have a small deposit, the Help to Buy program can provide you with several options.
These options include Help to Buy – Wales (HtBW), Mortgage Guarantee Scheme, Shared Ownership, First-Homes Scheme, and the Lifetime ISA.
To learn more about these options and alternatives, as well as to get all of your Help to Buy related questions answered, you can speak with our mortgage advisors in Cardiff.
We understand that your mortgage is a significant investment, and our mortgage advisor in Cardiff will review your income and expenses during your appointment to determine your eligibility and affordability for Help to Buy Schemes in Cardiff.
Our team will conduct a thorough search of 1000 mortgage products to find the one that best suits your needs. We will also help you obtain a mortgage agreement in principle, which can help support any offers you make on new builds.
Once your offer is accepted, we will submit your complete mortgage application and supporting documents to the lender. Throughout this process, your dedicated case manager will keep you informed of progress, from the mortgage offer to completion and beyond.
Our service extends beyond securing the best mortgage deal for you. We will recommend relevant insurance options to protect you and your loved ones. Additionally, we will contact you when your mortgage deal is about to end to ensure that you are still on the best possible deal.
During your free initial mortgage appointment, your designated mortgage advisor in Cardiff will run through the mortgage figures with you, providing an estimate of the running costs and monthly mortgage payments that you’ll have to pay.
Once you make contact with a trusted mortgage advisor in Cardiff, you will benefit from a constant and full mortgage support system all the way until mortgage completion, and even beyond that.
As a mortgage broker in Cardiff that has well over two decades of providing customers with expert mortgage advice in Cardiff, we have helped lots of customers to achieve mortgage success and have gained lots of experience in understanding the criteria for various mortgage types.
Take a look at our genuine customer reviews and you’ll come to realise why so many choose us for mortgage advice when they are looking to purchase a home with a Help to Buy in Cardiff. Furthermore, you’ll see why so many come back to us, once it is time for them to remortgage.
We also have the ability to help you with things like surveyors or solicitors, being able to point you in the right direction for these. We can also recommend property surveys and even help to liaise with the estate agents or other third parties if applicable.
Book your free mortgage appointment with an experienced Help to Buy mortgage advisor in Cardiff, and we’ll see how we can help you.
Before we can start with your mortgage application to see if you are eligible for a Help to Buy Mortgage in Cardiff, we will need to check if you qualify for any of the available Help to Buy schemes.
If you would any clarifications about the different types of schemes that you may have access to use, don’t hesitate to get in touch to speak with one of our expert Help to Buy mortgage advisors in Cardiff.
You must not have ownership of another property when you look at buying your new home with a Help to Buy in Cardiff. Also, it is very important that you remember that subletting and part-exchange is strictly banned.
Find out more helpful information about the Help to Buy schemes available to you at Own Your Own Home.
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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