Mortgage Brokers in Cardiff

Total Result 79 - Page 4

Principality Building Society

Principality Building Society

796 Newport Rd, Rumney , Cardiff , CF3 4FH 029 2079 4721

The Principality Building Society offer independent advice on mortgages, savings, investments, pensions and any sort of financial planning....

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Lloyds Bank

Lloyds Bank

802 Newport Rd, Rumney , Cardiff , CF3 4FH 0345 602 1997

Lloyds Bank is proud to serve the people, businesses and communities of Britain. Lloyds Bank is one of the UK’s leading retail and commercial banks, with high-street branches, award-winning online, ...

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M J Financial Services Ltd

M J Financial Services Ltd

16 Pantmawr Rd , Cardiff , CF14 7TF 029 2002 5989

We're an agency of impartial financial advisors based mostly Cardiff. Our major intention is to offer you a sound, skilled recommendation. We do that by attending to know you and your aspirations. Our...

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Lloyds Bank

Lloyds Bank

9 Penlline Rd, Whitchurch , Cardiff , CF14 2XH 0345 602 1997

Lloyds Bank is proud to serve the people, businesses and communities of Britain. Lloyds Bank is one of the UK’s leading retail and commercial banks, with high-street branches, award-winning online, ...

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First Trust Finance

First Trust Finance

Unit 34 Cardiff Business Park, Lambourne Crescent, Llanishen , Cardiff , CF14 5GG 0800 840 3636

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Property Hawk Mortgages

Property Hawk Mortgages

2 Village Way, Tongwynlais , Cardiff , CF15 7NE 029 2069 5446

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Westmore Insure Ltd

Westmore Insure Ltd

11 Thornhill Rd , Cardiff , CF14 6PD 029 2075 1939

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A M G Wealth Solutions LLP

A M G Wealth Solutions LLP

7 Heol Y Deri , Cardiff , CF14 6HA 029 2061 6066

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Hayman Watkin Davies Ltd

Hayman Watkin Davies Ltd

15 Penlline Rd , Cardiff , CF14 2AA 029 2062 6226

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Merlyn Financial Services Ltd

Merlyn Financial Services Ltd

15 Heol Y Coed, Rhiwbina , Cardiff , CF14 6HQ 07876 347398

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NatWest Bank plc

NatWest Bank plc

50 Station Rd, Llanishen , Cardiff , CF14 5QP 0345 302 0774

NatWest is a large high street bank with branches nationwide. They offer various services such as financial advice, loans, mortgages and foreign exchange....

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Re-Mortgage My House Ltd

Re-Mortgage My House Ltd

36 Station Road, Gabalfa , CARDIFF , CF14 5LT 029 2240 4060

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Geraint Lewis Financial Advice

Geraint Lewis Financial Advice

17 Brynau Rd, Taffs Well , Cardiff , CF15 7SA 029 2216 0121

Mortgage & Protection Consultants. Complimentary free first session. We satisfaction ourselves on our dedication to supply knowledgeable and speedy service always, while sustaining the very bes...

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Landlord Centre

Landlord Centre

Greenmeadow House Village Way, Tongwynlais , Cardiff , CF15 7NE 029 2069 1010

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Blackstone Partners

Blackstone Partners

First Floor Suite 8, 2 Ty-Nant Court, Morganstown , Cardiff , CF15 8LW 0345 250 8420

As Financial Advisers, Obsidian Financial has entry to an enormous and assorted vary of economic merchandise. We function in a particularly advanced area with tons of suppliers providing actually hund...

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The Abram Partnership

The Abram Partnership

Berkeley House, 41, Avonridge, Thornhill , Cardiff , CF14 9AU 029 2069 3700

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SR Wealth Management

SR Wealth Management

Unit 4 Castleton Court, Fortran Rd, St. Mellons , Cardiff , CF3 0LT 07957 555006

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George Property & Financial

George Property & Financial

8 Cardiff Rd, Taffs Well , Cardiff , CF15 7RE 029 2081 1511

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Uniq Family Wealth Ltd

Uniq Family Wealth Ltd

Fairway House Links Business Park, Fortran Rd, St. Mellons , Cardiff , CF3 0LT 029 2078 2330

At UNIQ Family Wealth, our focus is on you and what you need to obtain in life. Our mission is to assist households to handle their wealth higher and in flip obtain financial peace of thoughts. One ho...

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In case you are on the lookout for mortgage brokers in Cardiff, then you’re in the fitting place. We’re an internet listing of mortgage brokers in the UK brokers who will help you with the whole technique of credit score and mortgage.

All of the mortgage brokers obtainable on our listing are absolutely licensed and controlled by the financial conduct authority. They’ll supply full mortgage options together with mortgage recommendation, safety recommendation, and all different mortgage-related financial providers. You may filter your search as per your occupation too. It doesn’t matter in case you are self-employed, employed or enterprise proprietor, you may seek for a dealer with the wanted experience.

Getting a mortgage is without doubt one of the riskiest financial selections of your life if not executed with prudence. It entails enormous dangers added with complicated phrases and situations. Therefore, you will need to get it finished with the fitting approach. For a primary time buyer, it’s much more difficult.

The next information will aid you to verify in the event you ought to get a mortgage advisor when to hunt recommendation, the place to get free mortgage recommendation, how your financial institution may be capable of assist, and which comparability web sites you may examine.

How to decide on the fitting mortgage?

Mortgage recommendation: Sure or no?

Dangers of not getting mortgage recommendation.
Communicate to your financial institution and other people you understand
When to strategy a mortgage adviser
Flick through totally different web sites
Elements to be thought-about earlier than selecting a mortgage

How to decide on the fitting mortgage?

The mortgage market is extremely aggressive and fluctuating at the identical time. With so many various merchandise and choices obtainable from varied providers, it will get fairly tough to make a decision whereas deciding on the best choice for you. In case you are amongst first-time patrons, every little thing is certain to go over your head.

Nevertheless, there isn’t a have to panic. The perfect and first is to strategy your financial institution in addition to several unbiased mortgage advisors, to see what they’ve to supply. These preliminary discussions will give a concept of what the market is presently providing, the way it all works, and that are the choices that might serve your finest. They may even aid you to study concerning the totally different mortgage and safety options.

Given under is information that may navigate you thru all of the steps that will help you research your choices rigorously earlier than making a closing resolution.

Mortgage recommendation: Sure or no?

It’s all the time a good suggestion to get in contact with an advisor.

The Financial Conduct Authority of UK mandates each Lender (banks and financial establishments) and mortgage dealer to supply recommendations earlier than recommending any mortgage for you.

Earlier than giving out any strategies, they may assess the extent of mortgage repayments you can afford by analyzing your whole revenue, debt consolidation, and day-to-day spending. They’ll do the required calculation and adjustment to find out the quantity of mortgage credit score that fits your wants and financial capabilities to have the ability to sustain repayments on time.

Is it necessary to go along with your dealer’s recommendation?

It isn’t necessary to decide on what your lender or dealer suggests to you. You may choose your deal as per your unbiased analysis and research too. Taking recommendations will certainly aid you to acquire clear insights into all of the facets of the phrases and situations of the credit score. It’ll give you the requisite solutions you’re in search of to pick the perfect mortgage for you.

If you select your personal mortgage without in search of any sort of financial recommendation it’s termed as an “execution-only” software.

Dangers of not getting mortgage recommendation

It’s an act of prudence to do your homework earlier than availing of any financial providers out of your mortgage dealer. So, collect your financial info earlier than you speak to lenders or brokers. the record of particulars that have to be ascertained is given as underneath:

In case you are employed, then have your P60 types (final 2 years) and final three payslips prepared with you.
For self-employed individuals, have your tax returns duly licensed by an accountant or skilled adviser
Supply of revenue: Consider your revenue from all sources together with common, irregular, investments, and speculative revenue.

Proof of each day bills
Proof of money owed
You future affordability: This checks how you’d be capable of affording if there is a rise within the rate of interest sooner or later
For those who avail of a mortgage on the recommendation of your mortgage dealer, which seems to be unsuitable for you afterward, then you definately’ll have extra rights whenever you make a criticism. You’ll take pleasure in the fitting to criticize financial mis-selling if the recommendation you got turned out to be unsuitable for you.

Nevertheless, if you don’t take any recommendation out of your mortgage advisor and go for it based mostly on your unbiased analysis, you must take full duty in your mortgage resolution if the identical seems to be unsuitable sooner or later.

Penalties of non taking mortgage recommendation:

If you find yourself with the mistaken mortgage, you gained’t take pleasure in any proper to criticize mis-spelling. your mortgage will flip into below-average credit and it’ll show to be a financial catastrophe for you.
You are perhaps rejected by your lender for choosing a mortgage, which isn’t appropriate as per your financial capabilities.
Therefore, taking a call after availing recommendation out of your mortgage advisors is your best option particularly for a first-time purchaser if you wish to keep away from below-average credit afterward.

Communicate to your financial institution and other people you understand

Talking to your banks is all the time a superb start line as a result of they know your financial scenario inside out. They’ll all the time advise you with the perfect industrial mortgages to go for relying on your wants. They don’t cost any price for his or her recommendation because it is part of their customer support.

You may also speak to their buddy and colleagues to study their mortgages. They will transient you on the phrases and situations. You may see how their merchandise stacks up in opposition to the competitors earlier than making a closing alternative.

When to strategy a mortgage adviser?

A mortgage dealer or advisor is a specialist in mortgages and possesses in-depth information on the market. They have the experience and expertise to check a variety of mortgage merchandise earlier than suggesting the best choice.

It’s a good suggestion to talk to some of them to know concerning the presents prevailing out there.

There are three essential forms of mortgage advisors out there:

Advisors tied to a particular lender: They’d give you mortgage recommendations and offers from a particular lender solely. they won’t have a look at a variety of choices for you. They often present a free mortgage recommendation.

Tied to a restricted record of lenders: As in comparison with a particular one, they might give you financial options from a set of few lenders.

Not particular to any lender: They’d have a look at varied merchandise from the entire market and give you a variety of choices based mostly on your particular person wants.
Benefits of utilizing an advisor:

They’ll advise you based mostly on your financial functionality to make repayments in your mortgage, thus making certain revenue safety.

They will give you engaging offers and presents, that are in any other case not obtainable in the event you seek a mortgage independently.

They’ll help you with the paperwork, aid you perceive all of the phrases and situations correctly. Your purposes get processed and permitted sooner.

They’ll aid you to take all the prices and options of the mortgage into consideration, past the rate of interest.
They need to solely suggest a mortgage that’s appropriate for you and can inform you which of them you’re prone to get

You’ll take pleasure in safety sooner or later if the mortgage proves unsuitable to you.
Discovering a mortgage advisor

Following are a few of the high web sites for locating particulars about mortgage advisors in Cardiff and different components of the UK

Cherryfind.co.uk
https://www.bmadvisers.co.uk/
https://www.landc.co.uk/
Unbiased.co.uk
VouchedFor.co.uk
https://capitalfortune.com/

Charges and prices

The charges and prices of a Mortgage advisor will rely on the kind of financial options and providers you avail of. It additionally is determined by the kind of product you select and the worth of the mortgage.

Some lender particular advisors might present free advisory providers as a result of they obtain a fee from their lenders on permitted offers.

They’ll inform you the quantity of price they may cost and there gained’t be in any hidden value.

As soon as your dealer makes a product suggestion they need to provide you with a mortgage illustration doc(s). This doc outlines the phrases and situations of the mortgage together with the small print of the mortgage. Because it incorporates all the important thing info on the mortgage, it’s normally referred to as a key info illustration.

European Commonplace Data Sheet

The European Commonplace Data Sheet gives s commonplace format of pre-contractual info that must be supplied by a lender whereas issuing a mortgage. The Mortgages Conduct of Business (MCOB) guidelines of FCA mandates each lender to present this doc to their clients.

Elements to be thought-about earlier than selecting a mortgage:

What most individuals search for whereas going for a mortgage is a low-interest fee. Nevertheless, there are lots of different necessary elements that have to be thought-about earlier than making an alternative.

A number of the necessary elements are listed as underneath:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the number of mortgage charges and rate of interest as a share.
Deposit dimension: Usually decrease rates of interest can be found with greater deposit quantities.
The usual fee: It’s the fee your mortgage will swap to as soon as the fixed-rate deal ends.
Period of curiosity?: Whether or not curiosity might be charged each day, month-to-month, or yearly? Every day curiosity typically works out cheaper.
Flexibility of repayments: Are you able to overpay your mortgage earlier than time without being charged? Can you be taking a break from making funds if at any time you’re amidst a financial disaster?