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Specialist Mortgage Advice in Cardiff

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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:

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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

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 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.

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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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