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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 experience 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 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

Roughly your initial mortgage consultation will take around an hour. A Mortgage Advisor in Cardiff will then recommend a potential mortgage for you, which you can then choose to take or decline – You have no obligation!

As your dedicated Mortgage Broker in Cardiff, we carry out a Fact Find to clarify what is required for your personal situation before we progress and recommend a potential mortgage. To obtain an Agreement in Principle we then need to conduct a credit check. Once all the relevant documentation has been presented to your advisor, and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

It is advised that you obtain an Agreement in Principle before you begin viewing properties in Cardiff. This helps reduce the risk of disappointment at a later stage. At the very latest you should look at getting one before you are ready to make an offer, as this will help with your bargaining position.

The average time an Agreement in Principle lasts for is between 30 and 90 days depending on the Lender you have gone with. If your Agreement in Principle expires, you can always get it refreshed.

If you are looking at things like debt consolidation or Home Improvements, then you may be able to get a second mortgage. Second mortgages may also be applicable if you are hoping to use it for yourself, a family member, a holiday home, or a Buy to Let mortgage.

When purchasing a house in Cardiff, the deposit required with High Street Lenders is usually 5%. Depending on your past credit history, this could be higher.

You may still be able to get a mortgage with a poor credit history, but this will typically require a higher deposit than usual, sometimes around 15% of the property purchase price.

To obtain a mortgage whilst Self-Employed in Cardiff once you have submitted at least one years’ account. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whilst others may choose to go off your net profit.

For an employee to prove income you are looking at the last 3 payslips and if you’re self-employed you’ll need the last 2 years of accounts. You will also need to provide proof of ID, address, and 3 months’ bank statements.

Generally speaking, our free consultations take around 1 hour. A Mortgage Agreement in Principle can usually be sorted within 24 hours. A formal mortgage offer takes about three weeks on average, depending on the circumstances.

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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.

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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 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.

© 2020 Cardiffmoneyman

Cardiffmoneyman, 33 Cathedral Road, Cardiff, CF11 9HB.

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