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Cardiff, South Glamorgan

Mortgages in Cardiff

Cardiff prices have pulled away from the rest of South Wales, so affordability is the constraint for most buyers here rather than deposit alone.

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Call 07446 911261

What Cardiff property owners should know

We regularly advise Cardiff buyers on new-build apartment purchases where the lender's valuation and the developer's price do not agree, on professionals with bonus or contract income, and on landlords buying student property in Cathays where buy-to-let stress testing applies.

We also cover Penarth, Llanishen, Whitchurch, Radyr and the surrounding South Wales area, across CF3, CF5, CF10, CF11, CF14, CF15, CF23, CF24.

What's included

Want a price for your Cardiff property?

It takes about a minute and there is no obligation.

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What affects the price

How it works

  1. Tell us your situation — A short form — no credit check and no obligation.
  2. An adviser calls you — Usually within one working day, at a time that suits.
  3. See your options — A clear recommendation with the reasoning behind it.
  4. Application handled — Your adviser submits and chases it through to formal offer.

Mortgages in Cardiff — common questions

Does mortgage advice cost me anything?
No. The adviser is paid a procuration fee by the lender when your mortgage completes, so there is no adviser fee to you.
Will an enquiry affect my credit score?
No. An initial conversation and an affordability assessment do not involve a hard credit search. Only a full application does, and you decide when to reach that point.
How much can I borrow?
Most lenders work to roughly four to four and a half times income, but it depends heavily on your outgoings, deposit and credit profile. An adviser can give you a realistic figure in one call.
Can you help if I am self-employed?
Yes. Self-employed applications need the right lender rather than the cheapest headline rate, which is exactly where whole-of-market advice earns its keep.
When should I look at remortgaging?
Around six months before your current deal ends. Offers are usually valid for that long, so you can secure a rate early and still move if something better appears.

Related pages

Mortgages in Cardiff, arranged properly

Independent advice, no adviser fee to you, and a decision you can act on.

Speak to an adviser