Mortgage Brokers in South Glamorgan

Total Result 50 - Page 1

HSBC Bank plc

HSBC Bank plc

56 Queen St , Cardiff , South Glamorgan , CF10 2PX 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Insight Financial Advisers Ltd

Insight Financial Advisers Ltd

28 Cathedral Rd , Cardiff , South Glamorgan , CF11 9LJ 029 2061 0176

Insight offer independent financial advice across a range of investment, pension ands mortgage products....

LEBC Group Ltd

LEBC Group Ltd

Castle Court, 6 Cathedral Road , Cardiff , South Glamorgan , CF11 9LJ 01446 739632

About LEBC Group At LEBC, we create neutral financial options for each people and organization alike. Inspiring, caring, and trusted, now we have the perception to know your wants right this moment...

Independent Mortgage House Ltd

Independent Mortgage House Ltd

88a, Cowbridge Rd East , Cardiff , South Glamorgan , CF11 9DX 029 2066 2070

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Inspire Tax & Wealth Planning Ltd

Inspire Tax & Wealth Planning Ltd

227-229, City Rd , Cardiff , South Glamorgan , CF24 3JD 0870 2421969

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John Anthony Finance

John Anthony Finance

The Gate Arts & Crafts, Keppoch St , Cardiff , South Glamorgan , CF24 3JW 0800 8886012

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Barclays Bank plc

Barclays Bank plc

241 Cowbridge Rd, Canton , Cardiff , South Glamorgan , CF11 9TB 0345 734 5345

Barclays Bank PLC is a high street bank with branches throughout the UK. They offer many services including personal banking, loans and advice when purchasing a home or a car....

HSBC Bank plc

HSBC Bank plc

259 Cowbridge Rd East, Canton , Cardiff , South Glamorgan , CF11 9TN 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

HSBC Bank plc

HSBC Bank plc

94 Albany Rd , Cardiff , South Glamorgan , CF24 3RT 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Barclays Bank plc

Barclays Bank plc

42 Wellfield Rd , Cardiff , South Glamorgan , CF24 3YR 0345 734 5345

Barclays Bank PLC is a high street bank with branches throughout the UK. They offer many services including personal banking, loans and advice when purchasing a home or a car....

Logical Financial Planning Ltd

Logical Financial Planning Ltd

22-24, Fairoak Rd , Cardiff , South Glamorgan , CF24 4PY 029 2022 0067

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Tunstalls Mortgage Brokers

Tunstalls Mortgage Brokers

9 Ty Windsor, Marconi Avenue , Penarth , South Glamorgan , CF64 1ST 07866 491909

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Switch & Save Mortgages Ltd

Switch & Save Mortgages Ltd

P.O Box 5137 , Cardiff , South Glamorgan , CF5 9AB 01446 760198

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Vale Mortgages & Finance

Vale Mortgages & Finance

9 Anchor Rd , Penarth , South Glamorgan , CF64 1SL 029 2071 2519

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JAM Mortgages

JAM Mortgages

9 Ty Windsor, Marconi Avenue , Penarth , South Glamorgan , CF64 1ST 0845 3300443

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Mortgages Direct

Mortgages Direct

19-19a, Station Rd, Llanishen , Cardiff , South Glamorgan , CF14 5LS 029 2076 4815

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HSBC Bank plc

HSBC Bank plc

794 Newport Rd, Rumney , Cardiff , South Glamorgan , CF3 4FH 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

U.K Commercial Funding Group

U.K Commercial Funding Group

Unit 6, Cardiff Business Park, Lambourne Crescent, Llanishen , Cardiff , South Glamorgan , CF14 5GF 029 2076 7732

...

Barclays Bank plc

Barclays Bank plc

1 Old Church Rd, Whitchurch , Cardiff , South Glamorgan , CF14 1XQ 0345 734 5345

Barclays Bank PLC is a high street bank with branches throughout the UK. They offer many services including personal banking, loans and advice when purchasing a home or a car....

HSBC Bank plc

HSBC Bank plc

75, Llandennis Rd, Ryhd-y-Penau , Cardiff , South Glamorgan , CF23 6EE 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...


If you are looking for mortgage brokers in South Glamorgan, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in South Glamorgan.

All the mortgage brokers in South Glamorgan available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in South Glamorgan solutions including mortgage in South Glamorgan advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in South Glamorgan is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in South Glamorgan advisor when to seek advice, where to get free mortgage in South Glamorgan advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in South Glamorgan?

Mortgage in South Glamorgan advice: Yes or no?

Risks of not getting mortgage in South Glamorgan advice.
Speak to your bank and people you know
When to approach a mortgage in South Glamorgan adviser
Browse through different websites
Factors to be considered before choosing a mortgage in South Glamorgan

How to choose the right mortgage in South Glamorgan?

The mortgage in South Glamorgan market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in South Glamorgan advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in South Glamorgan and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in South Glamorgan advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in South Glamorgan to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in South Glamorgan repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in South Glamorgan credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in South Glamorgan for you.

When you choose your own mortgage in South Glamorgan without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in South Glamorgan advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in South Glamorgan. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in South Glamorgan, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in South Glamorgan advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in South Glamorgan decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in South Glamorgan advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in South Glamorgan will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in South Glamorgan, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in South Glamorgan advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in South Glamorgan adviser?

A mortgage broker in South Glamorgan or advisor is a specialist in mortgages in South Glamorgan and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in South Glamorgan products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in South Glamorgan advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in South Glamorgan advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in South Glamorgan advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in South Glamorgan, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in South Glamorgan independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in South Glamorgan into account, beyond the interest rate.
They should only recommend a mortgage in South Glamorgan that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in South Glamorgan proves unsuitable to you.
Finding a mortgage in South Glamorgan advisor

Following are some of the top websites for finding details about mortgage in South Glamorgan advisors in South Glamorgan and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in South Glamorgan advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in South Glamorgan.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in South Glamorgan illustration document(s). This document outlines the terms and conditions of the mortgage in South Glamorgan along with the details of the loan. As it contains all the key facts on the mortgage in South Glamorgan, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in South Glamorgan. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in South Glamorgan:

What most people look for while going for a mortgage in South Glamorgan is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in South Glamorgan fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in South Glamorgan will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in South Glamorgan before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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