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Our Mortgage Broker Guide to getting a mortgage in Cardiff

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Cardiff Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Hold off applying for credit until old issues have expired

Leave applications for credit until existing problems such as Bankruptcy and county court Judgements have been removed from your file.

These issues stay on your file for six years and so wait until they are gone to boost your chance for success.

Capped Mortgage

These are a type of variable rate mortgage, based on a lender's standard variable rate (SVR), but one where there is a level that the rate cannot exceed (and therefore the repayments become more expensive).

The cap, however, might be set relatively high, meaning you should ensure it is within your budget, and the term during which the cap operates might be fixed; if it is, there may be hefty early repayment charges if you leave before the term has finished.


The city of Cardiff is a thriving city on the coast of the Bristol Channel and is coincidently the capital of Wales. It is a port city with attractions such as the famous Wales Millenium Centre, Cardiff Castle, St David’s Hall and Llandaff Cathedral. The National History Museum at St Fagans is also a popular tourist attraction.

Cardiff has four higher education institutions: Cardiff University, Cardiff Metropolitan University, University of South Wales and the Royal Welsh College of Music and Drama. The total number of students in the city is thought to be around 43,900.

The city centre of Cardiff has many common high street shops and there are various retail parks situated in the suburbs of the city, including that in Cardiff Bay, Culverhouse Cross and Newport Road.

Cardiff Bay was the hub of the world’s coal industry around a hundred years ago. Millions on tonnes of coal was being transported across the world from the bay. There are now many restaurants on Mermaid Quay that look across the beautiful bay. Cardiff Bay has been used in TV Shows such as Casualty, Doctor Who and Pobol y Cwn.

CF10 2EF

Property Price Stats for Cardiff


Average property price in Cardiff £230,514
% Change compared to last year 6%
Population of Cardiff 335,145 (2011)


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

Mortgage Broker Cardiff - Recently Completed

  • The Meadows, Marshfield, Cardiff, CF3 2DY
  • Cinnamon Close, Walton Cardiff, Twekesbury GL20 7FN
  • Bryn-Gwyn Road, Cyncoed, Cardiff, Wales, CF23 6PQ
  • Bryn-Gwyn Road, Cyncoed, Cardiff, Wales, CF23 6PQ
  • Melrose Court, Penhill Road, Cardiff, CF11 9PS

Local High Street Banks in Cardiff

Mortgage Broker in and around Cardiff

Our Cardiff mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Llandough, Gibbons Down, Penarth, Radyr, St Fagans, Llanedeyrn and Rumney.

Which banks are local to you?


  • HSBC - Queen St, Cardiff CF10 2PX
  • Hodge Bank - One Central Square, Cardiff CF10 1FS
  • TSB Bank - TSB Bank

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Cardiff Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Cardiff from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Cardiff is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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