Mortgages Cardiff Providing Whole-of-Market, Independent Mortgage Advice in South Wales
Covering South-East Wales including Bridgend, Cardiff, the Vale of Glamorgan, Newport and up to Merthyr Tydfil and the surrounding valleys.
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02920009479
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​Our Purpose >
We are mortgage advisers, NOT brokers. This means we'll always recommend the best mortgage for you, not the one that happens to pay us the most - in fact to make sure this is always the case we refund any commission the mortgage provider pays us to our clients.
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We're also full IFAs and not just mortgage advisers, which means we can advise you on any other areas you may need to consider alongside your mortgage such as your pension or your inheritance tax situation.
​About Us >​
Mortgages Cardiff was created as a stand-alone mortgage arm by Whitchurch IFA Ltd, a fully independent financial advisory group based in Cardiff and authorised directly by the FCA. We are strictly whole of market, offering both intermediary and direct mortgages. ​Find out more here.
Mortgage Options >
Life is beginning to get a little easier for first time buyers, with lenders beginning to offer higher percentage mortgages. If you are not able to borrow now, we can help you plan things out and put aside your deposit and work out when you'll be able to get onto the property ladder.
With interest rates at historic lows, fixing a low rate can be uniquely tempting for some. Interest rates below 2% are now available.
Fees are often significant however, so we'll always include all costs in our analysis before we make a recommendation.
Buy To Let properties can be a great way to invest, but like every investment you need to understand the risk and be sure you are in a position to take it. We'll help you assess the risk and source the best mortgage on the market for you. 85% LTV buy to let mortgage are now available.
How we operate >​
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We are strictly whole of market - we will consider all mortgage lenders on the market including those which only deal directly with customers before we recommend the most suitable mortgage for our client.
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We charge flat fees and we refund ALL commission received from the mortgage lender to our client. This makes us highly competitive and ensures we can't be paid more by recommending one lender over another.