Our Mortgage Services

There has never been a tougher time to borrow for a mortgage. Banks and Building Societies have been feeling increasingly nervous about employment levels and house values and these worries along with (very) strict new lending rules have combined to produce the credit crunch the like of which most people have never experienced.

However with the right advice and preparation it is possible to borrow the right type of mortgage at a cost you can afford. Banks and Building Societies do want to lend and Cardiff Mortgage Centre will ensure we get the right mortgage for you.

There is no fee for our initial consultation. Future work or advice can be paid for by either a fee, commission or a combination of both. This will be agreed with you before our work starts. There will be no hidden surprises. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £424 but please refer to the Client Fee Agreement for further clarification.


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We offer fully regulated, no obligation, whole of market mortgage advice either face to face, by telephone or e-mail.  The advice is given by fully trained mortgage experts who will scour the whole of the market to ensure you get the most suitable deal to suit your personal circumstances.  We offer unbiased advice and will explain even the most complicated mortgage in a straightforward easy to understand manner.

Our dedicated team handle the whole process and manage your application on your behalf from start to finish and assist to make the mortgage process as simple and painless as possible. Once we have found the mortgage to suit your personal requirements we will keep you constantly informed and updated on the progress of your mortgage application and have your best interest at heart at all times.

Remember we work for you not the Lender!

We can provide mortgages for amongst others:

  • Home-buyers buying new homes
  • Existing homeowners searching the market for a better deal than their current lender has to offer
  • Consumers looking to cut their existing monthly expenditure by using the equity in their home for debt consolidation.
  • Consumers who have been refused mortgages in the past for whatever reason.
  • Professional property investors looking to expand their property portfolio (Buy to Let)

If your requirement is not mentioned here please call us for further advice.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The whole process of buying a new home can be daunting from finding the best mortgage and finding your ideal new home to seeing the sale completed and eventually moving in. Cardiff Mortgage Centre have access to all the mortgages on the market as we are a whole of market mortgage broker. We will help you narrow down to the type of mortgage that suits you best and then compare the deals and features therein. The amount you can borrow will depend upon certain factors whilst the decision is mostly based on your income and current outgoings, other factors such as your credit rating, current value of your property and the loan to ratio value will also be considered. The named types are: fixed rate mortgages, variable rate mortgages, tracker mortgages, capped rate mortgages, cash back mortgages, off-set mortgages and guarantor mortgages.


Get an idea of your monthly payments.



Meet our friendly advisors.

Colin Morgan

Colin has a lifetime of experience in the mortgage and financial advisory business.


What are our clients are saying about us?

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Colin and his Team worked really hard to secure a Mortgage for us. As a self employed person it has become increasingly difficult to secure Mortgage funds. Without Colin and his teams efforts, I doubt we would have our Home that we now happily live in. Many thanks Once again.

HYWEL Newport

Over the last 8 years Colin has acted for me on mortgages, life policies, cross-option agreements and setting up of trusts. He explains all products and his recommendations in a clear and precise manner to make selecting the right product straightforward. He always does what he says he will do when he says he will do it and makes recommendations based on what is clearly best for his client not was has so often been the case based on my previous experience, based on what makes them the best commission.


Went through numerous different options and found the one than suited myself best. What could your adviser do better? They catered for everything I required and couldn't think of anymore they could have done to make the experience even better, very friendly and even supply biscuits!