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.

Moving Home
First Time Buyers
Buy to Let
Separation and Divorce
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.
Remortgaging is when a borrower wishes to switch their existing loan from one lender to another paying off the original mortgage with the proceeds of the new one or when they switch/change their deal with their current lender. Remortgaging can literally save thousands of pounds in interest payments by possibly shortening the term or lowering the interest rate, even allowing for costs associated with remortgaging.  There are various reasons for remortgaging including to save money, to find a more suitable/flexible deal and even to raise money. Remortgaging can also be a useful source of acquiring extra funds for a variety of reasons including home improvements, capital raising, debt consolidation, buying other properties, equity release and divorce settlements.
So, you’ve decided you are finally going to take that first step onto the property ladder? Buying your first home is a big step, as well as the financial side of things to think about even just the process of buying can seem confusing. With so many people involved and so much paperwork it can sometimes be hard to know where to even start but you don’t have to, you let us do this for you and you have the fun part which is finding your perfect place and planning how you furnish and decorate it.
Buy to let mortgages are easy to understand, you buy a property and rent it out, you keep whatever is left after the mortgage,expenses and any tax that may be payable. Buy to let mortgages have the potential for capital appreciation but although long term property prices have easily out placed inflation today these investments offer good income potential particularly for those facing retirement. The Financial Conduct Authority does not regulate most Buy-to-Let mortgages
For most individuals when going through separation or divorce when there is an outstanding mortgage involved can be an extremely stressful and seriously worrying time. The fate of the family home can be a highly emotional subject as not only does the property represent a significant financial investment but it is probably the home where children have been raised. There are so many questions and knowing what might happen to your mortgage will largely depend on your future plans and individual circumstances. There are several options open to you such as to continue to pay the existing mortgage, keep the property and buy out the other party or sell up, move out and purchase a new property. Whatever decision you make will be a difficult one at this time and from experience we know how overwhelming it can all become. There will be questions that you need answered at this time which will range from “Can I stay in the home?”  “Who is responsible for the mortgage?”  “Can I get another mortgage?” We work closely with “Soaring Eagles” a Cardiff based company,  who can provide you with emotional support whilst we provide the financial support you need to help you at this time.
Buying commercial premises can be a good investment, owning a property gives you business stability and the property itself can become a significant asset. If you want to run a business from premises then a commercial mortgage is what you will need. Commercial mortgages will need a deposit of at least 25% and are best obtained via commercial lenders who are in most cases able to offer better rates because of their niche abilities. The Financial Conduct Authority does not regulate commercial 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.

Rhodri Beynon

Fully Qualified and hugely experienced Mortgage and Protection Adviser with Extensive Sales, Business Development and Customer Care Experience.


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!