Cardiff mortgage broker
Cardiff's regeneration around the Bay and the buoyant city-centre market make it Wales' most active property hotspot. Welsh stamp duty (LTT) rules differ from England — we ensure every quote accounts for it correctly.
- LTT (Welsh Land Transaction Tax) modelling baked into every quote
- Cardiff Bay new-build specialists
- Welsh Government Help to Buy guidance
- Buy-to-let lenders comfortable with student stock near UoC
Where we work in Cardiff
Not in Cardiff centre? We work across Wales and the wider UK. Call us with your postcode for a tailored answer.
Cardiff mortgage FAQs
Do I need a local mortgage broker for Cardiff?
Not legally — UK lenders work nationwide — but a broker who knows Cardiff property stock and lender preferences typically secures better rates than a generic one. We've placed hundreds of loans in the city.
How much deposit do I need to buy in Cardiff?
For residential mortgages, lenders typically require 5-10% deposit (95-90% LTV). For buy-to-let, expect 25% (75% LTV). High-value properties (>£1m) usually need 25-40% deposit.
How fast can you arrange a mortgage offer?
Decision in Principle: same day. Full mortgage offer: typically 2-4 weeks once we have your full document pack and a property under offer. We push hard to compress this where chains are time-sensitive.
Do you charge fees?
No — we are paid by the lender, not by you. There are no broker fees on a standard residential or buy-to-let mortgage placed through our network.
What if I am self-employed or have complex income?
We have direct relationships with lenders that specialise in self-employed (1 year accounts), contractor day-rate, foreign income, and bonus-based applications. Pre-application packaging is where we add the most value.