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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Includes online checklists, videos, downloads and tips - plus it is free to use and remembers your progress.

 
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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Swansea


Swansea is a coastal city and county in Wales, lying within the historic county of Glamorgan. It's Wales' second largest city after the capital, Cardiff, and is a major passenger port for people travelling to and from Ireland by boat.

Swansea has traditionally been a major port, trading in wine, hides, wool cloth and, during the Industrial Revolution and later, coal. It also was a centre for copper mining and smelting.

The 20th century saw a decline in Swansea's traditional heavy industry and the city has since moved more towards the services sector and has invested in attracting tourism, particularly to its coastal areas, where surfing has greatly increased as a pursuit. Swansea might be best known by many in the UK for hosting the DVLA, the government body devoted to managing motorised vehicle licensing.

Landmarks include Swansea Castle, the Tabernacle Chapel, Morriston and the Swansea Guildhall. Notable people from the city include the poet Dylan Thomas and the actor Catherine Zeta-Jones.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Don't ever attempt to use illegal methods to rewrite your credit file to be more positive

There is an increasing number adverts from purported computer hackers offering to hack into the servers of credit reference agencies to do this for people worried about their credit scores.

Suffice to say that anyone doing this is committing computer fraud, a serious crime, and enforcement agencies are becoming increasingly better at detecting hacking. Additionally you might just end up being conned and paying over money for something which never materialises. It's a sure way to end up either poor…or in a jail cell.
Top Mortgage Lenders 

Joint Borrower Sole Proprietor Mortgage

Joint borrower sole proprietor mortgages are a way in which a person who doesn't have a sufficient income to service a mortgage on a property themselves is able to team up with another person, who does, to buy a property jointly and then the latter person doesn't appear on the title.

If you choose to take out this kind of mortgage, you are both well advised to draw up a robust deed of trust which protects both your interests in the event that circumstances become unfavourable, for example you can't yourself continue making your required mortgage repayments and have to sell up.

Click on Joint borrower Sole Proprietor Mortgages to find out more.
SA1 3QW

Property Price Stats for Swansea


Average property price in Swansea £148,021
% Change compared to last year 0%
Population of Swansea 241,300 (2014)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Swansea

  • The Old Vicarage, Llandewi, Reynoldston, Swansea SA3 1AU
  • 65 Killan Road, Dunvant, Swansea, SA2 7TH
  • 10 Lon Coed Bran, Cockett, Swansea SA2 0YQ
  • Newton Road, The Mumbles, Swansea SA3 4BN
  • Gower Rd, Killay, Swansea SA2 7AL

Local High Street Banks in Swansea

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Swansea

  • TSB Bank - 11 Union St, Swansea SA1 3EF
  • NatWest - 14 - 16a Oxford St, Swansea SA1 3AG
  • HSBC - 10 Portland St, Swansea SA1 3DF

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Mortgage Broker Tips for the Conveyancing Process

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

Click to find out more about property searches

Click to order your Property Searches