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The Mortgage Guarantee Scheme in Cardiff is a government-backed initiative aimed at helping homebuyers secure a mortgage with 5-9% deposit.
Whether you’re a first time buyer or moving home, the scheme provides added security for lenders.
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 at 5-9%.
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 5-9%, 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.
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
8 5 Star Reviews
Charlotte Chircop
First time buyers anxiety and unknown was made super comfortable and simple by using The Moneyman mortgage advisors. Conor and Stacey are a dream duo! Although we happened to start the search for a lender during the 2026 unexpected world conflicts, the pair worked tirelessly to get us the best rate possible and take the stress away! Would recommend again and again *****
8 Apr 2026
Gary Griffiths
Tom at Cardiff Moneyman is a superb mortgage broker, extremely professional and gave step by step guidance through my successful first time buyer mortgage application. He answered any questions I had within minutes of sending an email. Special mention to Stacey, who again was extremely professional and provided great attention to detail. I could not have been happier with the process and would highly recommend them to anyone looking for reliability and thorough professionalism.
18 Jun 2025
Lewis Bishop
Outstanding service from start to finish. As first-time buyers, we felt fully supported by Wayne and Debbie every step of the way. The whole team has been brilliant, we truly couldn’t have asked for better guidance.
19 May 2025
Jessica Bryan
I worked most closely with Paula and Dinah at UK MoneyMan to get a mortgage as a first time buyer. They were both friendly, helpful, professional and kept me updated at all times. And most importantly they got me a mortgage that works for me after years (decades!) of trying to get onto the property ladder. Thank you UK Moneyman
25 Sep 2024
Jack Davies
UK Moneyman have been brilliant from start to finish. They have helped me with my first mortgage and I am very grateful to Chris and his team who have worked hard in getting the right mortgage for me. A special mention to Chris, Lizzi and Melanie who have been a great help during this process. I will 100% use these guys again in the future and recommend them to anyone looking for help with mortgages.
27 Aug 2024
Sam Jones (STCJones)
Charlie and the team were really helpful in getting us a deal we could afford at a time of great market uncertainty. The support and advice offered is exceptional and was particularly great for us as first time buyers
10 Jul 2023
Book your free initial 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 most suitable 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 initial 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.
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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