Burger Menu

Specialist Mortgage Advice in Cardiff

Get Your Free Consultation 7 Days a Week

029 2010 2804

Declined by the Bank? We Might be Able to Help

Getting a mortgage is not always as easy as initially anticipated, leaving some to have to think more openly. Do not worry though; With a professional mortgage advice team working with you, you’ll hopefully feel stress-free and relaxed during the mortgage process. We’re very experienced in helping individuals with difficult circumstances, such as customers declined by the banks.

 

We work closely with a vast number of mortgage lenders on panel, many that are specialist and have tailor-made mortgage products for various specialist situations.

 

Having an experienced and knowledgeable Mortgage Advisor in Cardiff on your side will be incredibly beneficial to you. We’ll listen to your personal needs carefully in order to find you the most applicable mortgage deal based on 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:

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006

In need of a Specialist Mortgage Advisor in Cardiff?

We regularly receive calls from customers who have been let down by their Bank or other Mortgage Broker in Cardiff at the last minute.

 

These people usually get a few weeks into the mortgage process and then happen to get declined, sometimes without any real reason as to why. When these situations occur, we usually find that the mortgage advisor dealing with the case should have spotted the issue a lot earlier on than they did. Following these things, stress and anger is common, understandably so. With threats on a property chain and completion dates, it can leave a bad taste in your mouth. This doesn’t mean the end of your process though.

 

You’re in safe hands with our mortgage advisors in Cardiff. We’re very experienced in dealing with all kinds of difficult mortgage situations, so we’d love to hear from you and see how we can help. If you are not 100% sure of your lenders’ criteria before you apply, you could make your chances of obtaining a mortgage a lot more difficult than it may need to be.

 

Please Get in Touch to speak with a mortgage advisor in Cardiff, and we will book you in for a free mortgage consultation.

Why should I use a Mortgage Broker in Cardiff?

  1. We’re here to support you! With our in-depth lending criteria knowledge, we hope we will prove useful during your mortgage process.
  2. It is our job is to make you feel stress-free and comfortable, from your enquiry through to the end!
  3. Customer service is really important to our team, please read our genuine reviews to see just how much we care.
  4. Our mortgage advisors in Cardiff are able to provide you with a service that works around any work and family commitments.
  5. Unlike your banks, building societies and estate agents, we are able to search 1000’s of mortgage deals on your behalf to find the most appropriate one for you.

 

To speak with a Mortgage Advisor in Cardiff, please Get in Touch and we will book you in for a free 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 in Cardiff!

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.

Moneyman Logo







Moneyman Logo




Moneyman Logo

Ask Your Question





    Moneyman Logo

    Moneyman Logo







    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo