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Specialist Mortgage Advice in Cardiff

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Specialist Mortgage Advice in Cardiff

Specialist mortgage advice in Cardiff tailored for your financial situation.

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We look at solutions for specialist mortgages in Cardiff for complex situations.

For some applicants, getting a mortgage can be a fairly straightforward process, just lengthy, however, others can experience a very difficult time and may find it tricky to find a deal that is suitable for their personal and financial situation. We hate seeing struggling applicants and that’s why we want to offer a helping hand.

It can be a shock to find out that you’ve been declined for a mortgage; don’t let it get you down, come to your mortgage broker in Cardiff and we will see what we can do to help!

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Specialist Mortgage Advice in Cardiff

Our service may benefit you when looking for specialist mortgage advice in Cardiff.

Our Specialist mortgage advisors in Cardiff have access to 1000s of mortgage products. Our large panel of specialist lenders hold many different kinds of deals and it’s your advisor’s job to try and pick one out for you.

If you have been declined by your bank, it is important that you do not keep applying for lots of different deals through the same or different banks. There will be a reason why you have been declined. Your Mortgage Advisor in Cardiff may be able to identify the reason why you have been declined and will search for deals that you will be able to access in your current situation.

We will try and do everything that we can to get you a deal that is tailored to your personal and financial situation.

What is bad credit for a mortgage in Cardiff?

Managing your finances can be challenging, and missing outgoing payments can negatively impact your credit score, potentially leading to bad credit in Cardiff. The number on your credit score depends on the types and frequency of missed payments.

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Common FAQs for Specialist Mortgages in Cardiff

Can I remove a CCJ from my credit file in Cardiff?

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Upon receiving a CCJ, you have a limited timeframe to pay it off and remove it from your credit file. If you pay off the owed amount within the given 30-day period, the court can remove the CCJ from your credit file through the registry.

Failure to repay the owed amount will result in a permanent record on your credit file for six years.

When should debt consolidation in Cardiff be considered?

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Many homeowners will remortgage in Cardiff to release equity from their homes. There are many reasons why you could raise capital, from raising funds for home improvements to giving a deposit to help a family member climb the property ladder.

If you are struggling financially and every other avenue has been exhausted, then you might need to look at debt consolidation in Cardiff. Although a risky decision and not something to take lightly, remortgaging to release equity for debt consolidation purposes in Cardiff can be a way to combine your monthly expenses into another affordable monthly outgoing.

Providing clear and transparent mortgage advice in Cardiff, we will review your circumstances and help you determine if debt consolidation in Cardiff is the best option for you.

You should think carefully before securing other debts against your home. By adding your unsecured debt to your mortgage, which is secured on your home, you may endanger your home if you can’t make the necessary repayments.

Although the total monthly cost of servicing your debt may have been reduced, the total repayment cost may still have increased because the duration of your mortgage is longer than it may have taken to repay the original debts.

Do you require a specialist mortgage advisor in Cardiff?

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Cardiffmoneyman provides transparent and expert mortgage advice in Cardiff, helping clients determine the best option for their financial situation, including debt consolidation.

Adding unsecured debt to your mortgage can increase the overall repayment cost, and securing other debts against your home should be carefully considered. Our team of expert mortgage advisors in Cardiff can provide personalized recommendations based on each lender’s unique criteria and our clients’ financial situations.

Obtaining an up-to-date credit report can help us better understand your situation during your free initial mortgage appointment and work towards achieving your mortgage goals.

Our Customers Love Us

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

Discuss the challenges you are currently faced with and what you are looking to achieve with a trusted mortgage advisor in Cardiff.

During your free mortgage appointment with a mortgage advisor in Cardiff, you will need to provide information about your income and expenses to determine your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.

Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Cardiff will proceed to submit your full mortgage application and relevant evidence documents.

Throughout the process, your dedicated case manager will keep you informed until you receive your mortgage offer and complete your purchase.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

We will contact you again when your mortgage is due for renewal to ensure that you are still on the most favorable deals.

Reasons to Choose us

Free Mortgage Appointment

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Your free mortgage appointment awaits with a dedicated Mortgage Advisor in Cardiff. Once you book your free mortgage appointment online, you will be able to talk one-to-one with your own advisor who has been chosen for you based on your circumstances.

We are open 7 days a week so that you can get in touch at a time that best suits you. Put your personal and working life first, then have your mortgage appointment with an advisor.

1000s of Deals

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Our huge catalogue of mortgage lenders features both high street and specialist names. Each lender holds their own unique products that match various types of mortgage situations.

Our job is to try and locate the perfect deal for you based on the information that you provided us with during your free mortgage appointment in Cardiff. We will always put you first; we want the best for you in all cases.

Our Service

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We’ve been working with complex mortgage situations for over 20 years now. Each of our Mortgage Advisors in Cardiff is fully qualified and trained to help you through your mortgage. They will try their best in every situation, no matter what they are faced with.

Over time, we have managed to learn the ins and outs of our lender’s products and how to find the perfect one for each client. We will evaluate your personal and financial situation and then take it from there.

7 Days a Week

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Customer service is at the heart of our company, we always go above and beyond for customers to ensure that they receive the best service possible. Take a look at our amazing reviews to see what others have thought about our levels of customer service.

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

We Search 1000s of Specialist Mortgage Deals in Cardiff

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An In-Depth Look at Specialist Mortgage Scenarios in Cardiff

An In-Depth Look at Specialist Mortgage Scenarios

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When you are faced with a tricky mortgage situation and you are struggling to find products that you are able to match, it may be time to consider getting mortgage advice in Cardiff. We can go through your situation in step by step and try to work out a solution together.

It’s not unusual for us to encounter different, complex scenarios, however, most of the time we have already dealt with a similar situation before and are able to help.

Property Down Valuation

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When you make an offer on a property, you will need to take out a mortgage to cover the full costs of the sale. After a property survey is carried out, in some cases the results can show that the value of the property is not worth as much as your offer. This could be down to interior/exterior damages, other similar properties being valued lower or something else that the survey results will show.

This is called a property down valuation. The lender will see that the property is worth less than you originally offered and will not want to let you borrow as much as you want to. The lender could even pull out of the deal completely.

If you can make up the difference with your own savings or can come up with an agreement between you and the seller that’s great, however, sometimes the seller won’t budge their offer and you may have to move on.

Divorce & Separation Mortgage Advice

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If your relationship unfortunately starts to break down and you divorce or separate, sorting out any joint finances, like your mortgage, can be quite difficult to work with. You need to make sure you get this sorted as soon as possible, as the longer you leave it, the more challenging it will be.

When going through a divorce or separation whilst living with your partner, things can get complicated. All of your joint finances, like your mortgage, will need sorting out. This should be done sooner rather than later.

Whether it’s you or your partner looking to get a new mortgage, we may be able to help form an agreement between both parties.

Remove a Name From a Mortgage

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Following a divorce or separation, it’s most likely that someone is going to want to remove their name from the original mortgage. This could be you or your ex.

You can only remove a name if both parties are financially stable without one another. For example, if you want to remove your name from the mortgage but your ex cannot afford to meet the payments on their own, you may struggle to get your name removed right away, and vice versa.

Single Name Mortgages for Married Applicants

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It is possible to achieve a sole name mortgage on a property, however, lenders would much prefer you to take out a joint mortgage under one roof. Applying for a joint mortgage would also make your ability to get accepted much easier.

Shared Ownership

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The Shared Ownership scheme allows applicants to purchase a share in a property and then pay the remainder back through rent. The percentage share that you have to purchase has to be between 25%-75%, but in some cases, you can purchase as little as 10%.

The remaining share is likely to be owned by the local authority. In the future, you may get the option to purchase the rest of the property or just increase your percentage share.

Professional Mortgages

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Professional mortgages are limited to certain professions across the country. This area of the market is very niche, therefore, we would recommend getting in touch with a specialist like ourselves to learn more about this.

Second Home Mortgages

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If you are thinking of purchasing a second property and need to take out a mortgage with it, you will first have to demonstrate your ability to afford two sets of mortgage repayments.

You will need to prove this through evidential documents; this will be your bank statements, P60 and payslips. We can help you prepare for this.

Holiday Home / Let Mortgages

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Holiday let mortgages work similarly to Buy to Let mortgages, however, a holiday home will not generate regular income with long term tenants. Your income will generate in short periods and for the rest of the time, you will have to compensate for the repayments on your own.

During off-peak holiday times, you may see your holiday let income deplete. This is why the lender has to be certain that you can afford two sets of income before granting you a mortgage on the property.

New Build Mortgages

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New builds can often come with high costs, especially because of the high demand for property in recent years.

If you’re struggling to save up for a deposit, there are various government schemes made for helping new buyers secure new build properties. You could utilise the Help to Buy Equity Loan scheme, Lifetime ISA or the Shared Ownership scheme.

Non-Standard Construction Property Mortgages

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A ‘non-standard’ property is a property that has not been built in a conventional way, i.e., with bricks or mortar.

If you are planning to take out a mortgage on a ‘non-standard’ property, then you will need to search for a specialist deal. We would also recommend paying that bit extra to get a full structural property survey carried out on the property just in case there is something wrong with it.

Multiple Applicant/House of Multiple Occupation Mortgages

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HMO mortgages are a type of Buy to Let. This type of mortgage allows you to have between 4-6 tenants in a property, similar to student housing.

Before obtaining a HMO mortgage, you may have to converse with the council to obtain a HMO license. This is only the case when there are 5 or more unrelated applicants living inside the property or there are 2 or more separate households living inside the property.

We would suggest seeking specialist Buy to Let Mortgage Advice in Cardiff if you are interested in HMO mortgages.

Mortgages Past Retirement Date / Lifetime Mortgages

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A Lifetime Mortgage allows you to release equity within your home to create a lump sum of cash. You will have to be over the age of 55 to access this mortgage type.

It’s strongly recommended that you speak with a mortgage specialist before rushing into equity release, it can get complicated very quickly if you don’t quite know what you are doing.

Offset Mortgages

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Offset mortgages allow you to run a savings account parallel with your mortgage. It can be a really useful way to help you access competitive interest rates and mortgage products.

Mortgage Guides & 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.

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