What Does a Mortgage Broker in Cardiff Do?

Why use a mortgage broker in Cardiff?

If you’re aiming to streamline your process, save time and money, and reduce stress associated with mortgage decisions, there are substantial benefits to enlisting the assistance of a seasoned mortgage broker in Cardiff.

As experienced professionals, we have access to an extensive array of mortgage deals, enabling us to meticulously select the one that perfectly aligns with your unique circumstances.

In contrast, going directly to a bank limits your options to the mortgage deals offered by that specific lender, providing no opportunity to explore multiple alternatives.

Appointments That Work With Your Busy Day-to-Day Life

Our team is here to accommodate your schedule, offering appointments seven days a week, from early morning to late evening, ensuring we work around your busy lifestyle.

Additionally, you can make use of our website’s booking form to schedule a video or telephone consultation with a mortgage advisor in Cardiff at a time that suits your convenience.

Before Your Application

To embark on your mortgage journey as a first time buyer in Cardiff, the first step is to schedule an appointment with a mortgage advisor in Cardiff.

During this meeting, you’ll provide them with essential information about your circumstances and plans. Subsequently, they will carefully evaluate a range of mortgage options to identify the one that suits you best.

For both first time buyers in Cardiff and those moving home in Cardiff who choose to proceed with their mortgage advisor’s recommendation, there’s an added benefit of receiving an Agreement in Principle (AIP). Our goal is to secure this document within 24 hours of your initial appointment.

An AIP is a valuable asset as it’s often requested by estate agents when you make an offer on a property. It demonstrates your commitment to the purchase and your financial readiness, with a mortgage lender ready to provide the necessary funds.

We provide comprehensive support throughout the offer process, help with property surveys, and offer optional insurance recommendations to safeguard your family and home from unforeseen events.

Additionally, you’ll need to furnish your mortgage advisor with relevant documentation to support your mortgage application. The specific requirements vary depending on your circumstances and the lender you choose.

Rest assured, as a mortgage broker in Cardiff, we’ll guide you through this process and ensure you have everything in order.

During Your Application

Upon receiving your documents, our role as a mortgage broker in Cardiff includes a thorough verification process.

We will then provide you with a mortgage illustration that clearly outlines the details of the deal you’ve agreed upon with the recommended mortgage lender. This step occurs just before we submit your application.

Once you’ve given your approval for our recommendation, your application is submitted. Your dedicated mortgage advisor in Cardiff will send copies of your documents to the mortgage lender.

Throughout this process, we maintain regular communication with you, ensuring you stay informed about the progress of your application.

As soon as the mortgage lender reaches a decision on your application, we will promptly reach out to you. In the event of a successful application, you will receive a formal mortgage offer.

From this point onward, the finalisation of the deal and the transition to your new home are in the capable hands of your solicitor.

Our Mortgage Advice in Cardiff Service

As a dedicated mortgage broker in Cardiff, our utmost priority is to ensure your best interests are at the core of every action we take.

If there are opportunities to save you time, money, and reduce stress, we are committed to seizing them. Our ultimate goal is to place you in the most advantageous financial position possible.

Our authentic customer reviews bear testimony to the enduring relationships we cultivate with those who reach out to us.

These reviews vividly illustrate the positive transformations experienced by individuals through our mortgage advice service, highlighting the profound impact of homeownership facilitated by our expertise.

Date Last Edited: December 6, 2023