MORTGAGE ADVISERS IN CARDIFF
The Mortgage Advice You Can Trust
Mortgage Advisers in Cardiff
Buying a new home is a big ﬁnancial decision, but you don’t have to make it alone. Whether you’re a ﬁrst-time homebuyer in Cardiff or ready to upgrade or downsize to a new home in Cardiff, our mortgage advice team is here to help. Our agents will explain all the options available to you based on your current ﬁnancial situation, and we’ll devise a mortgage strategy that is custom-tailored to your needs and goals. From pre-qualiﬁcation to reﬁnancing and every step in between, we help you navigate the process with conﬁdence, making it possible to save thousands over the life of your mortgage in Cardiff.
Before we begin searching for the best mortgage deals to suit your circumstances, our experienced Mortgage 1st Cardiff mortgage advice team will ensure you have a full understanding of all products available on the market. Once we have established the best mortgage for your circumstances, whether you’re going for a ﬁxed rate, variable rate or specialist product, we will then start looking at the best rates for you. Mortgage rates generally depend on the size of your deposit and the value of the property – you’ll likely need at least a 10% deposit, as 95% mortgages have been few and far between since the beginning of the pandemic (although they are slowly making a comeback).
Choosing Mortgage 1st as your Mortgage Adviser in Cardiff
All our Mortgage brokers in Cardiff scour the whole market to ﬁnd you the best mortgage deal. By hiring us, you swiftly cover a huge variety of lenders and get added clout with them to ease your applications as well as an extra layer of protection if there are any complications along the way.
Our Mortgage 1st brokers are also worth their weight in gold because they know key details about lenders’ criteria. So they would know if the lender you’re thinking of doesn’t lend on properties above shops, or in council blocks etc – so they’d be able to recommend a different lender that does.
All our Cardiff mortgage advisors will ﬁnd the best mortgage for you and apply on your behalf.
Speak to one of our Cardiff mortgage advisors today.
Remortgage Advice in Cardiff
If your ﬁxed mortgage is coming to the end of its term and you would like to explore options of remortgaging in Cardiff then our experienced team of mortgage advisors are here to help.
There are also many other reasons why you may require advice on remortgaging your property which can include home renovations or debt consolidation, no matter the reason our mortgage advisors in Cardiff will provide you with the best knowledge of all products available on the market to remortgaging your property.
Here at Mortgage 1st we offer a free remortgage consultation which could lead to a better mortgage rate and in turn save you money in years to come. To book your free remortgage advice consultation please contact the Cardiff mortgage advice team today.
HELPING YOU FIND THE BEST REMORTGAGE DEAL
First Time Buyer Mortgage Advice in Cardiff
For a ﬁrst time buyer, not having the right mortgage advisor in Cardiff can make the house buying process a very daunting task. Luckily our friendly team at Mortgage 1st will guide you through the entire process, taking care of everything and answering all your questions (we know you will have lots!) to ensure the journey is as smooth and stress-free as possible.
Your Mortgage Adviser in Cardiff will ﬁrstly ﬁnd the best mortgage deal available to you, then your dedicated Mortgage Processor will liaise with the lender, estate agent and solicitor on your behalf and is available along with your Adviser throughout the application process until the day you get the keys to your ﬁrst home!
HELPING YOU EVERY STEP OF THE WAY WITH YOUR FIRST TIME BUYER MORTGAGE.
Moving Home Mortgage Advice in Cardiff
Moving house is probably one of the most stressful things anyone will do in their lifetime but it can also be extremely exciting for all the family. Whether you’re looking for more space, a forever home in Cardiff, to downsize or even to relocate, the ﬁrst thing you need to do is ensure you can get the mortgage you need – this is where our team of Mortgage Advisors in Cardiff can help.
Our mortgage advisers in Cardiff will assess your circumstances and provide you with an AIP/DIP (Agreement/Decision in Principle) within a matter of minutes. This is what you will need to provide the Estate Agent with before you can put in an offer on a property. It may be years since you bought your ﬁrst home therefore our knowledgeable and friendly Cardiff mortgage advice team will guide you through the entire process from start to ﬁnish, taking care of everything to ensure the journey is as smooth as possible.
MAKING MOVING HOME IN CARDIFF MORE ENJOYABLE
Buy To Let Mortgage Advice in Cardiff
The Buy-to-Let market in Cardiff is constantly growing due to the short term gains of an additional source of rental income and the long term beneﬁts of property investment. If you are looking to purchase your ﬁrst rental property in Cardiff and have no idea where to start, our team of specialist Mortgage Advisers in Cardiff can guide you through the entire process giving you the conﬁdence to become a property landlord for the ﬁrst time.
Or if you are an existing landlord in Cardiff looking to add to your property portfolio with a new purchase or you need to reassess your ﬁnancial situation by Remortgaging in Cardiff multiple properties our expert mortgage advisers will work with you to help manage your portfolio and grow your business. Not all Buy-to-Let mortgages in Cardiff are regulated by the Financial Conduct Authority.
GIVING YOU TRUSTED BUY TO LET MORTGAGE ADVICE IN CARDIFF
Help-to-buy Mortgage Advice in Cardiff
The government’s Help-to-Buy scheme is aimed at increasing the number of homeowners around the country by offering ﬁnancial assistance with the purchasing of a property through the help to buy scheme in Cardiff. With this scheme, buyers can move into a home with a deposit of just 5%, making houses in Cardiff affordable even to people with a small deposit. The Help-to-Buy scheme is available to both ﬁrst time and next time buyers and is available on old and new properties alike.
To apply for a help-to-buy mortgage in Cardiff, you need expert advice from fully trained professionals who can support you through the entire process until completion. Our friendly team at Mortgage 1st will be available to answer all your questions to ensure the journey is as smooth and stress-free as possible.
GIVING YOU TRUSTED HELP TO BUY MORTGAGE ADVICE IN CARDIFF
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage 1st Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.