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Our Mortgage Broker Guide to getting a mortgage in Swansea

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 Swansea Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Swansea - Recently Completed

  • 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

Mortgage Broker in and around Swansea

Our Swansea mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including The Mumbles, Three Crosses, Gowerton, Morriston, Skewen, Briton Ferry and Fforest-fach.

Which banks are local to you?


  • 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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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Swansea

Mortgage Brokers Swansea offering free first consultation (terms apply).

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Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

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

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Swansea Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

  • If you are using a mortgage to purchase your home in Swansea and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
  • Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can. 
  • This can be ordered via your bank or mortgage adviser and it can take around 2 weeks to receive the valuation. 
  • Please note the mortgage valuation and a building survey are two different things.

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Conveyancing Process
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