Cardiff Mortgage Broker

Yes. We are authorised to advise clients throughout England and Wales, and lenders operate across both. The mortgage process itself is the same, and everything is handled by phone and video from our Bath office, so there is no need to travel.

No. Property purchases in Wales are subject to Land Transaction Tax, which is set by the Welsh Government and replaced Stamp Duty Land Tax in Wales in 2018. The thresholds and rates are different, and so are the rules for additional properties, so a figure calculated for an English purchase will not be correct for one in Cardiff. We will confirm what applies to your purchase as part of the advice.

Usually, though these are leasehold flats and lenders look closely at lease length, service charges, the size of the block and how the building is constructed. Some apply limits on the number of storeys or on flats above commercial premises, and specialist lenders will often consider a block the high street declines.

Generally yes. Cardiff prices sit noticeably below Bristol across the Severn, which is why a number of our clients look at both. Lenders assess affordability the same way wherever the property is, so the practical difference is the size of the loan you need rather than the rules applied to it. Checking what you could borrow makes that comparison straightforward.

No. Our advice is fee-free for every client in Cardiff and across South Wales. The lender pays us once your mortgage completes, so nothing comes out of your deposit.