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Top 20 Mortgage Brokers & Advisers in Cardiff
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Here Are The Top 10 Independent Mortgage Advisers in Cardiff.
| APRICOT MORTGAGES AND LOANS LTD | Ty-griffin, 4 Griffin Rise, Treharris, Merthyr Tydfil, CF46 5BJ | 02920 026394 | 07739 349 540 | brianjamesprice@outlook.com | https://www.apricotmortgages.net/ |
| Mortgage Search Go | PO Box 243, Penarth, CF64 9FH | 0844 69 333 60 | N/A | http://www.mortgagesearchgo.com/ |
| Insight Financial Advisers Ltd | Sophia House, 28 Cathedral Road, Cardiff, CF11 9LJ | 029 20610176 | jp@ifa-insight.co.uk | http://ifa-insight.co.uk/home |
| Sanctuary Financial Planning | 15/16 Neptune Court, Ocean Way, Cardiff Bay CF24 5PJ | 02920 482 477 | info@sanfp.co.uk | https://www.sanfp.co.uk/ |
| Roberts Keen Independent Financial Advisers Ltd | Merthyr Tydfil Office, 2nd Floor, Crownford House, Swan Street, Merthyr Tydfil, CF47 8EU | 01685 700945 | info@robertskeen.co.uk | https://robertskeen.co.uk/ |
| Neil Soundy Financial Services Ltd | 66 Albany Road, Cardiff, CF24 3RR | 02921 159 466 | 020 3011 0662 | neil@ns-fs.co.uk | https://ns-fs.co.uk/ |
| Your Mortgage Broker Cardiff Ltd | The Maltings, East Tyndall Street, Cardff, CF24 5EZ | 02922 641602 | info@yourmortgagebrokercardiff.co.uk | https://www.yourmortgagebrokercardiff.co.uk/ |
| Higginson Mortgage Services Ltd | 6 Llwyn Drysgol, Radyr, Cardiff, CF15 8DN | 07917 226714 | N/A | http://www.higginsonmortgageservices.co.uk/ |
How to choose the right mortgage advisers in Cardiff for your needs
When choosing the right mortgage adviser for your needs, here are some key factors to consider:
Look for whole-of-market mortgage advisers in Cardiff
One of the most important things is to find a mortgage adviser that has access to the entire mortgage market, not just a limited panel of lenders. A whole-of-market adviser can compare products from all available lenders to find the best deal tailored to your specific circumstances.
Ask about direct-only deals
Some mortgage products are only available if you apply directly with the lender, not through an adviser. A good adviser should inform you about any direct-only deals that could potentially be cheaper for you, even though they can’t arrange those mortgages themselves.
Consider the type of adviser
You have the choice between traditional mortgage brokers who provide face-to-face or phone advice, and online/digital mortgage advisers in Cardiff that operate through websites and apps. Evaluate which approach suits your preferences and needs.
Check their qualifications and regulation
Make sure the mortgage advisers in Cardiff are qualified, regulated by the Financial Conduct Authority (FCA), and follows industry standards. This ensures you receive professional, unbiased advice. Advisers who are members of bodies like the Association of Mortgage Intermediaries (AMI) are a good sign.
Understand their fees and commissions
Mortgage advisers in Cardiff may charge fees (flat rate, percentage-based, or hourly) or receive commissions from lenders, or both. Get full transparency on their fee structure and how they are compensated before engaging them.
Assess their expertise and customer service
Look for mortgage advisers in Cardiff with expertise in your specific situation, such as first-time buyers, self-employed, or complex financial circumstances. Read reviews, get recommendations, and ensure they can provide the level of guidance and support you need throughout the process.
By considering factors like whole-of-market access, qualifications, fees, expertise, and customer service, you can increase your chances of finding the right mortgage adviser to secure the best mortgage deal for your unique needs
What questions should you ask mortgage advisers in Cardiff before hiring them?
When considering hiring mortgage advisers in Cardiff, it’s important to ask the right questions to ensure you find a qualified and reputable professional who can provide the best guidance and options for your specific circumstances. Here are some key questions you should ask a mortgage adviser before hiring them:
1. Are you authorized and regulated by the Financial Conduct Authority (FCA)?
Ensure the advisers in Cardiff are properly authorised and regulated by the FCA to provide mortgage advice. You can verify their status on the FCA register.
2. Are you a whole-of-market adviser?
Ask if the advisers in Cardiff have access to mortgage products from all lenders across the entire market, not just a limited panel. Whole-of-market access gives you the best chance of finding the most suitable deal.
3. How much do you charge, and how are you compensated?
Understand the adviser’s fee structure upfront, whether it’s a flat fee, percentage-based, or hourly rate. Also, ask if they receive commission from lenders and how this could potentially influence their recommendations.
4. What qualifications and experience do you have?
Inquire about the adviser’s qualifications, years of experience, and areas of expertise (e.g., first-time buyers, self-employed, complex cases).
5. Can you explain the different mortgage types and options?
Good mortgage advisers in Cardiff should be able to clearly explain the various mortgage products, interest rate types, and loan terms to help you make an informed decision.
6. How much can I borrow, and what deposit will I need?
The adviser should assess your financial situation, income, and credit profile to provide an estimate of how much you can borrow and the required deposit amount.
7. What is your process and level of support?
Ask about the adviser’s process, from initial consultation to application and completion, and the level of support and communication you can expect throughout.
8. Do you have professional indemnity insurance?
Ensure the mortgage advisers in Cardiff have professional indemnity insurance in case you need to make a claim for negligent advice.
9. Can you provide references or reviews?
Request references or read reviews from previous clients to gauge the adviser’s reputation and customer satisfaction levels.
By asking these questions, you can better evaluate a mortgage adviser’s qualifications, expertise, transparency, and ability to find the most suitable mortgage product for your needs.
The Above Mortgage Advisers in Cardiff Cover The Following Postcodes.
CF3 to CF24 Postcodes
Postcodes CF31 to CF40
CF41 to CF62 Postcodes
| CF41 | PENTRE | Pentre, Ton Pentre, Ystrad, Gelli | Rhondda Cynon Taf |
|---|---|---|---|
| CF42 | TREORCHY | Treorchy, Cwmparc, Ynyswen, Treherbert, Blaencwm, Blaenrhondda | Rhondda Cynon Taf |
| CF43 | FERNDALE | Ferndale, Blaenllechau, Tylorstown, Penrhys, Pontygwaith, Stanleytown, Maerdy | Rhondda Cynon Taf |
| CF44 | ABERDARE | Aberdare, Cwmaman, Aberaman, Llwydcoed, Cwmbach, Hirwaun, Penywaun, Rhigos, Penderyn, Ystradfellte | Rhondda Cynon Taf, Powys |
| CF45 | MOUNTAIN ASH | Mountain Ash, Abercynon, Penrhiwceiber, Ynysboeth | Rhondda Cynon Taf |
| CF46 | TREHARRIS | Treharris, Quakers Yard, Bedlinog, Nelson | Merthyr Tydfil, Caerphilly |
| CF47 | MERTHYR TYDFIL | Merthyr Tydfil, Gurnos, Penydarren | Merthyr Tydfil |
| CF48 | MERTHYR TYDFIL | Cyfarthfa, Pant, Merthyr Vale, Troed-y-rhiw, Vaynor, Pentrebach | Merthyr Tydfil, Powys |
| CF61 | LLANTWIT MAJOR | Llantwit Major, Llan-maes | Vale of Glamorgan |
| CF62 | BARRY | Barry (west), Rhoose, St Athan, Llancarfan, Barry Island | Vale of Glamorgan |
Postcodes CF63 to CF83
| CF63 | BARRY | Barry (east), Cadoxton, Barry Docks | Vale of Glamorgan |
|---|---|---|---|
| CF64 | PENARTH; DINAS POWYS | Penarth, Dinas Powys, Sully, Llandough | Vale of Glamorgan |
| CF71 | COWBRIDGE | Cowbridge, St Brides Major, Welsh St Donats, Pendoylan, Llandow, Colwinston, Llanblethian, Penllyn, Llanfair | Vale of Glamorgan |
| CF72 | PONTYCLUN | Pontyclun, Llantrisant, Llanharan, Talbot Green, Brynsadler, Miskin, Brynna, Llanharry | Rhondda Cynon Taf |
| CF81 | BARGOED | Bargoed, Aberbargoed, Darran Valley, Gilfach, Pontlottyn | Caerphilly |
| CF82 | HENGOED | Hengoed, Cefn Hengoed, Ystrad Mynach, Gelligaer, Maesycwmmer | Caerphilly |
| CF83 | CAERPHILLY | Caerphilly, Abertridwr, Senghenydd, Bedwas, Trethomas, Machen, Llanbradach, Pwllypant, Penyrheol, Energlyn, Trecenydd, Rudry | Caerphilly |
More Cardiff Information.
Speak to Cardiff mortgage advisers for help and advice. By using Mortgage Brokers Network we can connect you with over 2,500 Mortgage advisers throughout the UK. Please use our ‘Get Mortgage Advice’ quote form to receive advice from Cardiff mortgage advisers or scroll through the companies listed and contact the mortgage advisers directly.
