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If you’re looking for a mortgage over 60 in Cardiff, rest assured, you have plentiful options. As a mortgage broker in Cardiff, we’re more than ready to help in a multitude of situations:
Our mission is to streamline the process as much as possible, regardless of your unique personal circumstances.
After speaking with our mortgage advisors in Cardiff, we’ll look at your mortgage options. Here are the options we will look at with you:
Considering an equity release mortgage over 60 in Cardiff should be seen as a final resort. There is a wide range of mortgage options available to explore with you first.
Speaking with a mortgage broker in Cardiff can prove invaluable when trying to get a mortgage. Getting a mortgage over 60 in Cardiff is not always easy, and that’s why we are here to help! Our role is to evaluate all the mortgage possibilities available to you and strive to find a financial solution that’s cost-efficient over the long term.
You can rest assured knowing that your mortgage advisor in Cardiff will not propose a solution that doesn’t align with your objectives and personal financial standing.
Contrary to popular belief, obtaining a mortgage over 60 in Cardiff is entirely possible. We have helped many applicants over 60 get a mortgage!
We find that people aged over 60 in Cardiff look to get a mortgage to live closer to their family or want to move into a smaller residence. At this stage of life, a large home may no longer be required, and there might be a necessity to contribute to family childcare responsibilities.
Before deciding to buy a new property, it’s critical to investigate all your alternatives. A discussion with a mortgage advisor in Cardiff can offer insight into the range of mortgage products available to you. A thorough analysis of your unique personal and financial situation is crucial when contemplating a change of home at any age.
Obtaining a mortgage isn’t necessarily dependent on your age. Anyone from 18 to over 100 have a wealth of choices at their disposal.
If a fixed or variable interest rate mortgage is not available to you, a bespoke solution such as equity release or a lifetime mortgage in Cardiff may be considered. However, we regard these as a last resort and will explore all other options first.
Our mortgage advisors in Cardiff are ready to recommend the product that best fits your age, income, and objectives. To arrange a free mortgage consultation with our team, please contact us either online or via telephone.
Obtaining a mortgage post-retirement is certainly possible. In Cardiff, there is a vast array of mortgage options at your disposal after you’ve retired, and our mission is to find the perfect option that caters to your requirements.
The advice we give will be influenced by several criteria. Various aspects like your ability to manage monthly repayments, the sum you wish to borrow, and your pension income will be thoroughly assessed.
Your mortgage advisor in Cardiff will guide you through all these factors during your free mortgage consultation.
We frequently receive enquiries from individuals above 60 in Cardiff who are struggling to manage their credit card payments and loans with their pension income.
In such scenarios, seeking advice from a mortgage broker in Cardiff is crucial. We assess your personal and financial situation, presenting you with the most suitable product based on your needs.
Oftentimes, people in these circumstances find that a debt consolidation mortgage in Cardiff is the solution. However, it’s imperative that you understand that this can pose certain risks, as it converts unsecured debt into debt secured against your home.
Our dedicated team prioritises taking the necessary time to thoroughly explain all the potential risks involved. We ensure that you fully comprehend all potential outcomes, including the possibility of your home being repossessed.
Our Customers Love Us
5.00 Rating11 Reviews
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 week 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 week ago
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
3 months 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.
6 months ago
Charleigh
Very efficient, communication was excellant, and really helped as first time buyers advising the steps as we went!
9 months 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 😀
1 year 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...
3 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...
3 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!
3 years ago
When scheduling a free mortgage appointment with our later life mortgage advisors in Cardiff, we can have an in-depth discussion about your over 60 mortgage options.
While releasing equity and obtaining lifetime mortgages are still viable options, we view them as solutions of last resort. We believe that there may be a more appropriate alternative that is tailored to your unique situation.
Once we find the perfect solution for you, we can begin preparing your mortgage application. From this point, you will be paired with a case manager who will specialise in your case.
We will also recommend insurances to take out alongside to financially cover you in the event of your death or diagnosis of a critical illness. This is just a recommendation, not an obligation.
We offer a free mortgage appointment to every customer. This can be readily organised by booking online or giving our team a call to start your process.
During this discussion, we will examine your individual and financial situation to determine which mortgage choices may be most beneficial for you in your circumstances.
As your mortgage broker in Cardiff, we are here to help through your whole mortgage journey, from start to finish!
Our goal is to take all of the stress away from getting a mortgage over 60 in Cardiff. We undertake all the necessary paperwork and try to find the perfect mortgage product that aligns with both your personal and financial circumstances.
For more than twenty years, we have been helping clients secure a mortgage over 60 in Cardiff. Regardless if the situation is intricate or straightforward, we're confident in our expertise to support you.
Our mission is to provide clear and proficient mortgage advice in Cardiff, accompanying you at each stage of the process. We guarantee to keep you completely in the loop and involved throughout the entire procedure.
Our committed team stands by to support you seven days a week, even working the majority of bank holidays. We strive to be accessible at times which suit you best.
Regardless of whether it's early morning or evening, we're prepared to answer all your questions concerning obtaining a mortgage over 60 in Cardiff.
With more than twenty years in the financial industry, our team has successfully guided countless customers to secure a mortgage over 60 in Cardiff. This is achievable thanks to the wide array of mortgage options that lenders currently offer.
It’s not uncommon for individuals over 60 to explore mortgage options in Cardiff for various reasons such as:
If any of the above scenarios apply to you, or if you’re faced with a unique situation, we invite you to contact us.
Book a free mortgage appointment online with a mortgage advisor in Cardiff today.
The remortgaging procedure can differ in difficulty for individuals over 60 years in Cardiff.
Sometimes, it’s straightforward, but on other occasions, it could be more complicated. Here are some common reasons why people over 60 may decide to remortgage:
If you’re approaching 60 in Cardiff, still working and have significant equity, we can probably arrange a standard mortgage plan for you. Its cost-effectiveness will be determined by factors like your income, your outgoings, and the sum you aim to borrow.
If after reviewing your situation, this doesn’t seem to be the most suitable choice, our trusted team of mortgage advisors in Cardiff can investigate your alternative options.
The longer that you own a property, your share/equity in your home often increases. Under certain circumstances, it might be possible for you to access this equity, obtaining a significant sum of money in the process.
There are various reasons why individuals over the age of 60 in Cardiff might decide to release their home equity:
Choosing the right mortgage product largely depends on your personal circumstances, income, and what you plan to do with your property in the future.
If you’re aged 60 or more and considering releasing equity in Cardiff, we’re on hand to answer any queries and offer a personalised recommendation.
Choosing to remortgage your house to finance your planned home renovation projects could be a wise choice when age 60 or above.
Those who have been homeowners for a long time typically have a considerable amount of equity built up in their property. This equity could be tapped into to improve your home.
There are multiple reasons you might think about remortgaging for home improvements over 60 in Cardiff, such as:
We offer a range of mortgage solutions specifically designed for individuals over 60, to support the financing of these home improvements. If it suits your financial circumstances, a remortgage could present a lower interest rate than a standard personal loan.
Furthermore, these home upgrades could enhance the value of your property in Cardiff, proving to be a long-term investment.
As the days to retirement approach, having credit issues can be stressful and more often than not, they should sorted sooner rather than later. One option you could consider could be debt consolidation.
If you’re over 60 in Cardiff and contemplating consolidating all your debts into one monthly mortgage payment, it’s vital you seek out expert mortgage advice in Cardiff.
Opting for the most suitable debt consolidation mortgage for over 60s in Cardiff necessitates advice from a professional. Without guidance from a mortgage broker in Cardiff, you expose yourself to the potential risks associated with debt consolidation. These risks ought to be taken into account while making your decision.
Read our 11 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: 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 www.register.fca.org.uk
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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: 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 www.register.fca.org.uk
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