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First time buyer mortgage advice in Cardiff


We will be there from start to finish

As a first-time buyer in Cardiff, taking on a mortgage may be an exciting, but also a potentially intimidating experience if you are unfamiliar with the mortgage industry. This is where we come in. Our experts will lend you a helping hand and answer any questions you may have as you proceed through the mortgage process.


Our dedicated team of mortgage advisors works hard to provide you with peace of mind throughout the process. We have had the opportunity to assist numerous First Time Buyers with their home buying ambitions thanks to our vast expertise as a helpful mortgage broker in Cardiff.

Planning on getting a first time buyer mortgage in Cardiff?

If you're considering getting a mortgage and want to know if you qualify, speaking with a Cardiff mortgage advisor can be quite helpful. In the long term, it can save you time and money.

Your affordability will be examined by one of our Cardiff mortgage advisors so they can match you with the appropriate lender. They will consider your yearly income as well as any additional sources of income you have to make this decision. They will also examine your credit history and how you manage your money, following this, your mortgage broker will be able to let you know how much you can borrow. 


The amount of deposit you have available will also have an impact on the mortgages that are available to you.

At EMWales, we have access to a significant panel of lenders and are up to date with their lending criteria. By examining your income, expenses, and credit history to gain a general sense of your financial situation, our staff can find you the best mortgage deals.

What schemes are available to first time buyers

There are numerous government programmes available that are intended to support first-time buyers in realising their goals of owning a home. Some of them are the Right to Buy Program, Lifetime ISAs, and the Help to Buy Equity Loan. If you want additional information about these, take a look at our website's guides area.


Our Cardiff-based team of mortgage advisors is knowledgeable about the current state of the available programmes and can address any inquiries you may have.

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Mortgage Advice for first-time buyers

With more than 20 years of expertise offering mortgage advice to first time buyers in Cardiff, we have helped many first-time buyers reach their mortgage objectives. Here are a some of the most typical First Time Buyer scenarios our team deals with on a regular basis.

How much can I borrow?​

 We frequently discover that Cardiff first-time buyers who are just starting their process want to know how much they could potentially borrow. You can get a ballpark figure estimate from our online mortgage calculator . A more precise maximum loan amount can be given by speaking to Cardiff mortgage adviser.

Ready to make an offer on a property?​

We suggest that you start thinking about securing a mortgage agreement in principle (AIP) as soon as you have discovered your first house in Cardiff and are prepared to make an offer. Our mortgage advisors in Cardiff will be able to assist you with this. Having an agreement in principle can improve your chances of having your offer approved while competing with other purchasers.

You've had an offer accepted?

Once you have secured acceptance for a property, our staff can assist in beginning the process of your full mortgage application. We always advise speaking with a Cardiff mortgage broker before making an offer so we can determine your eligibility for a mortgage and arrange for you to have an AIP to support your offer.

Need an agreement in principle (AIP) / Decision in principle (DIP)

As previously said, it is very advantageous to have an AIP to support any proposals. Our staff at EMWales can typically arrange an agreement in principle for you in less than 24 hours. Having this on hand can demonstrate to the vendor that you are serious and prepared to move forward.

Declined by a bank or building society?

There is a potential that our advisors can still assist you if your bank has rejected your application for a mortgage. The bank may reject your mortgage application for a variety of reasons. As an experienced Cardiff mortgage broker, we have access to a substantial panel of lenders who provide specialist products. Our staff will investigate your situation and give you advice on the best course of action.

If you need first-time buyer mortgage advice in Cardiff, get in contact with us. Alternatively, you can schedule a free online session with one of our knowledgeable mortgage advisors in Cardiff right now.

Our simple 4 step process

② Agreement in Principle - this document will act as proof of funds, allowing you to make an offer on a property.

 Offer Accepted - When a seller accepts your offer to purchase, we will begin submitting the full mortgage application.

① initial consultation - your chance to understand the process and ask any questions.

④ Instruction - We will instruct the valuers, solicitors and liase with all parties to make the process as smooth as possible

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