Moving Home Mortgage Advice in Cardiff

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Taking the Stress Away From Moving Home in Cardiff

Some say that moving home is possibly one of the most stressful experiences you will have in life.


We hope that by enquiring with a mortgage broker in Cardiff and gaining their insight, support and help on your mortgage, will make the process a lot easier and less stressful for you.


One of the main reasons why many home movers deem the process to be such a stressful one, is due to the fact that you will be finding a buyer for your current home and finding a new place to buy for yourself.


A true lifeline though for home movers is that the paperwork and simultaneous completions will be a job for your conveyancing solicitors, saving you a job.


You do have to secure a purchase on a property still, as well as finding a buyer for your property that you’re looking to sell.


Mortgage Advice for Home Movers in Cardiff


If you are taking a look at your options for moving home in Cardiff, our fast & friendly team of mortgage advisors in Cardiff will be here to ensure your mortgage process goes as smoothly as it possibly can.


We work hard to support our customers all throughout their mortgage journey, answering any mortgage questions they have along the way.


Our team can search through 1000s of mortgage products, in order to find the best mortgage deal for your personal and financial needs.


If you are in the market for moving home in Cardiff, then please book your free mortgage appointment today. A trusted member of our mortgage advice team in Cardiff will be on hand to help you in any way they can.


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in Cardiff

No matter if you are looking to move from your current home into Cardiff, or are a local resident already and looking for a new nearby home, we believe it is beneficial for you to speak to a mortgage broker in Cardiff. Our team have a strong reputation and a lot of experience for helping customers with their mortgage when they move home.


Here we have compiled a comprehensive guide to the various different situations we have encountered with people who are moving home in Cardiff:

Wondering What The Costs Are & How Much You Can Borrow

We tend to find that most customers will get in touch with us quite early on in their mortgage journey, as they want answers to various questions before they jump in head first. This can be achieved by enquiring about our expert mortgage advice in Cardiff.


A lot of the time when we speak to these customers, they’re looking to understand roughly how much they could borrow, what interest rates these would be at and how much their monthly mortgage payments might be. In order to determine this, one of our trusted mortgage advisors in Cardiff will need to discuss your case further, as these figures will depend on different factors.

Need an Agreement in Principle?

Once you have gotten through your Free Mortgage Appointment with one of our dedicated mortgage advisors, they will then take a search through 1000s of different mortgage deals in order to find you the best possible deal that is available to you and your personal & financial circumstances.


If you are content in proceeding with our mortgage recommendation, we can then look at the next step in progressing your mortgage and look to obtain for you an agreement in principle. Having this AIP will showcase that the lender has, in principle, agreed to loan you the required amount. This in turn, should work in your favour when making any offers to purchase a property.

Your Offer on a New Home Has Been Accepted

If the offer you have made on a new property has been accepted, the next step is to get back in touch with your dedicated and trusted mortgage advisor in Cardiff, in order to get your full mortgage application process back on the road to success.


As a mortgage broker in Cardiff, we also have the ability to help by recommending types of property surveys and also any reliable conveyancing solicitors.

Having Trouble with the Bank

There are a many different reasons as to why a Bank or Building Society may choose to decline your mortgage application. This can range from anything like failing to meet their strict credit scoring criteria, to simply not being eligible to borrow that amount.


Regardless of why you are declined, it will still be worth your time contacting a mortgage broker like Cardiffmoneyman, as this will allow you to have to option of exploring specialist mortgage lenders and their unique deals, that you otherwise wouldn’t get going direct, subject to meeting the criteria.

Book a Free Mortgage Appointment

If you’re looking to reduce the stress of moving home in Cardiff and would like to benefit from expert mortgage advice in Cardiff, book your free mortgage appointment today, using our online booking form. You’ll get to speak with a trusted mortgage advisor in Cardiff who will review your case and do what they can to help make the mortgage process easier for you.

Looking To Move Home in Cardiff? We may be able to help.

If you are considering your options moving home, you may benefit from getting in touch with a mortgage advisor in Cardiff. They will be able to advise on the best options to take, keeping with you from the start of your process, until completion and even beyond.


Here at Cardiffmoneyman, we have a greatly experienced team who are well versed in helping customers to move along the property ladder. We tend to find that there often isn’t a situation we haven’t seen at least once before, during our many years of providing mortgage advice.


During your free mortgage appointment, we will take some primary information from you, in order to gain a better understanding of what you’re looking to do, how much you are able to borrow, and so on. Your mortgage advisor in Cardiff will then take a look through 1000s of mortgage deals, finding the right one for you and your circumstances.


If you are quite happy to proceed with our mortgage recommendation, we will then look to obtain a mortgage agreement in principle on your behalf, as this will back up any offers you make.


Once you have found a new home in Cardiff and had your offer accepted, our team will work double-time to process your full mortgage application, ensuring you are kept up-to-date and informed all throughout.


Our service goes beyond just finding you the best mortgage, we are able to help you out with obtaining any conveyancing solicitor quotes or liaising with some third parties.


After you have had your mortgage recommendation, your mortgage and protection advisor will also make appropriate insurance recommendations, as these will help to protect you and your family from any unforeseen circumstances that could potentially harm the repayment of your mortgage, or the income of your family.

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Common mortgage

Your free initial mortgage consultation will last around 30-60 minutes. During your consultation, you will get to speak with your dedicated Mortgage Advisor in Cardiff. Their job will be to get a better understanding of your mortgage needs and situation so that they can search for the perfect mortgage deal for your personal and financial situation.

Typically, most High Street Lenders will require a 5% deposit from you. However, depending on your credit history, your lender may ask for 10%-15%.

It can still be possible to get a mortgage, even with bad credit problems in the past. Even though it may be a little harder, it isn’t impossible!

You may have to put down a higher deposit if you have bad credit, this could be 10%-15%.

Your first job is to carry out our mortgage Fact Find so that we can get an idea of your mortgage needs and what sort of deals you want to be looking for.

Afterwards, we will book you in with a Mortgage Advisor in Cardiff who will get a couple more pieces of information from you.

Then we can arrrange an Agreement in Principle for you within 24-hours to increase the chances of the seller accepting your offer.

If you’ve found yoru dream home, and are happy with our mortgage recommendation, we can start the mortgage application process! A formal mortgage offer can take longer than 3 weeks, during which, we will keep you informed with the progress of your application.

As a Mortgage Broker in Cardiff, we recommend that our applicants obtain an Agreement in Principle (AIP) as soon as possible. Having an AIP whilst you’re viewing properties can increase your chances of being accepted by the seller. It may also allow an opportunity for price negotiation.

Once you have an Agreement in Principle (AIP) in place, it should last between 30-90 days. If your AIP expires, you can easily renew it by getting back in touch with your Mortgage Advisor in Cardiff.

First of all, your free mortgage consultation should last around 30-60 minutes. Once this is complete, your Mortgage Advisor in Cardiff will obtain an Agreement in Principle for you within 24-hours. Then, if you are happy to proceed with the deal that your advisor has recommended, we can submit your mortgage application. A formal mortgage offer can take on average around 3 weeks to return.

During your mortgage application, you’ll be asked to provide evidencing documents:

– Latest 3 Payslips (Employed), Last 2 years’ Accounts (Self-Employed)
– Latest 3 Months’ Bank Statements
– Latest P60
– Photographic ID

During your mortgage application in Cardiff, if you’re Self-Employed, you’ll need to submit at least one year’s accounts. As a Mortgage Broker in Cardiff, we’ve found that most lenders use your salary plus dividend to calculate the maximum mortgage amount that you can borrow. Although, some lenders may choose to go off your net profit.

Depending on why you want to get a second mortgage, it may be easier to get one than not.

There are various reasons why someone may want a second mortgage, for example:

– Buy to Let
– Debt Consolidation
– Home Improvements
– Second Home
– Marital / Relationship Breakdown

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2022 Cardiffmoneyman

Cardiffmoneyman, 4th Floor, 14 Museum Place, City centre, Cardiff, CF10 3BH.

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