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Moving Home Mortgage Advice in Cardiff

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We Take the Stress Away From Moving Home!

It is said that moving home may be one of the most stressful experiences in your life, though that does not always have to be the case! No matter whether you are purchasing and selling at the same time or putting up your previous property for rent, we aim to ease some of your stress and give you a positive and helpful service. We want to make sure the process goes as smoothly as possible, leaving you with a result you can be pleased with.

 

As a dedicated Mortgage Broker in Cardiff, we work with you throughout the process. You won’t have to worry about outside involvement from Banks, Building Societies or Estate Agents. Our advisors are only committed to you and have your best interests at heart.

 

We are able to search 1000s of mortgage products, to find the best deal for your personal circumstances.

 

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

There may be a variety of reasons people looking at Moving Home in Cardiff may decide to get in touch, such as:

  • You are thinking about moving home and would like to know how much your monthly repayments or borrowed amount might be?
  • You are ready to make an offer on your dream home?
  • The offer you put forward has been accepted and you are ready to get started!
  • You are looking to rent out your current property and move into a new one?

If any of these categories apply to you or even something else, we will do what we can to assist you.

Why choose Cardiffmoneyman as your Moving Home Mortgage Broker?

As a Mortgage Broker in Cardiff, we work with you throughout the process, our advisors having your best interests at heart! There will not be any outside involvement from Banks, Building Societies or Estate Agents.

  • We are able to produce a Mortgage Agreement in Principle for you, allowing you to back up any future offers you make.
  • Our Mortgage Advisors in Cardiff will explain the different types of Property Surveys available to you.
  • We can recommend competitively priced Solicitors and Surveyors.
  • Your dedicated advisor will go through your Mortgage Offer to ensure everything is up to par.

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

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.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Cardiffmoneyman

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

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