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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
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.
2 weeks ago
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...
3 months ago
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!
6 months ago
Eilish
Great service
11 months ago
Adrian
Excellent service
1 year 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.
1 year 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.
2 years ago
Charleigh
Very efficient, communication was excellant, and really helped as first time buyers advising the steps as we went!
2 years 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 😀
3 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...
5 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...
5 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!
5 years ago
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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