BUY YOUR FIRST HOME WITH CONFIDENCE
First-time buyer mortgage advice in Cardiff — clear, supportive, and independent.
Friendly, step-by-step guidance from your first enquiry to your keys.
⭐ 5-star rated · Free · No obligation . 15–30 minute call
Why Choose Us for First Time Buyer Mortgage Advice in Cardiff?
Purchasing your first home is one of the biggest financial decisions you’ll ever make. We’re here to make that journey smoother, clearer, and far less stressful. Our Cardiff-based team provides personalised, one-to-one advice that ensures you fully understand each step. With expert guidance, transparent communication, and access to a wide panel of lenders, we help you make confident, well-informed decisions from start to finish. With our first time buyer mortgage advice Cardiff expertise, you can feel confident you’re receiving guidance tailored specifically to the local market.
Buying your first home should feel exciting — not overwhelming.
We provide clear, expert mortgage advice for first-time buyers in Cardiff, guiding you step by step from your first enquiry to getting the keys.
With personalised, one-to-one support and access to a wide range of lenders, we help you make confident decisions with no pressure and no jargon.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Step 1: Pre-Approval
We start by assessing your financial background to determine your affordability and help you secure an Agreement in Principle (AIP). This gives you a clear idea of your borrowing power and strengthens your position when viewing properties.
Step 2: Find a Property
Once your AIP is secured, you can begin your property search with confidence. We’ll help you understand what price ranges are suitable and answer any questions you may have along the way.
Step 3: Submit Offer
Found the right home? We’ll guide you through the offer process and, once accepted, move swiftly into the full mortgage application phase—ensuring everything is completed correctly and efficiently.
What First-Time Buyers Say About Us
Real feedback from clients we’ve helped buy their first home.
Excellent service from Tracey. She helped me buy my first home and later supported me with a remortgage.
Everything was smooth, clear, and stress-free.
J S
First-time buyer
As first-time buyers, we were nervous about the process, but Tracey explained everything clearly and kept us updated throughout.
We felt fully supported from start to finish and couldn’t have asked for a better experience.
L M
First-time buyer
From our first conversation, Tracey put us completely at ease. She was friendly, professional, and extremely knowledgeable.
She found us a great mortgage and made sure we understood every step before moving forward.
A R
First-time buyer
Buying our first home felt overwhelming at first, but Tracey guided us through everything with patience and clarity.
She explained our options in plain English and was always available when we had questions.
C D
First-time buyer
First Time Buyer Mortgage Advice Cardiff – Frequently Asked Questions
We provide clear, trusted mortgage advice to help first-time buyers in Cardiff make confident, stress-free decisions. Below are answers to some of the most common questions we’re asked.
How much can I borrow as a first-time buyer?
As a first-time buyer, how much you can borrow depends on your income, outgoings, credit history, and deposit size.
Most lenders will typically offer between 4 and 4.5 times your annual income, though this can vary depending on your circumstances. Things like childcare costs, loans, credit cards, and other commitments will also be taken into account.
As first-time buyer mortgage advisers in Cardiff, we’ll assess your situation and confirm a realistic borrowing amount, helping you avoid overstretching and giving you confidence when viewing properties.
What is the mortgage application process for first-time buyers?
The mortgage application process usually follows these steps:
Review your income, deposit, and credit profile
Secure an Agreement in Principle (AIP)
Find a suitable property and make an offer
Submit a full mortgage application
Property valuation and legal checks
Mortgage offer issued
Completion and moving in
We guide first-time buyers through every stage, explaining what’s happening and handling communication with lenders and solicitors to keep things moving smoothly.
What documents do I need to apply for a mortgage?
Most lenders will ask first-time buyers to provide:
Proof of ID (passport or driving licence)
Proof of address
Recent payslips (or accounts if self-employed)
Bank statements
Proof of deposit
Details of existing credit commitments
We’ll let you know exactly what’s needed, help you prepare everything in advance, and check documents before submission to avoid delays.
Can I get a mortgage with bad credit?
Yes — it may still be possible to get a mortgage with bad credit, depending on the type, severity, and age of the credit issues.
Missed payments, defaults, or a low credit score don’t always mean a mortgage is out of reach. Some lenders are more flexible than others, especially for first-time buyers with a good deposit or stable income.
We offer honest, judgement-free advice and will explore lenders who are more suited to your situation, explaining your options clearly.
What are the completion costs when buying my first home?
In addition to your deposit, first-time buyers should budget for costs such as:
Solicitor or conveyancing fees
Mortgage arrangement fees (if applicable)
Valuation or survey costs
Removal costs
Many first-time buyers benefit from Stamp Duty relief, depending on the purchase price.
We’ll help you understand the full cost breakdown upfront, so there are no surprises later in the process.
How long does it take to buy a property as a first-time buyer?
On average, the process from offer acceptance to completion takes 8–12 weeks, though this can vary depending on the property, solicitor timescales, and lender processing.
Having your mortgage arranged early and documents prepared can help speed things up. We work proactively with lenders and solicitors to keep your purchase moving forward wherever possible.
Ready to Take the Next Step Toward Your First Home?
Buying your first home doesn’t have to feel overwhelming.
We’ll guide you through the mortgage process step by step, explaining everything clearly and handling the hard work for you.
Book your free consultation today and move forward with confidence — knowing you have expert support from start to finish.
Buying your first home doesn’t have to feel overwhelming.
We’ll guide you step by step, explaining everything clearly and handling the hard work for you.
Book your free consultation today and move forward with confidence — knowing you have expert support from start to finish.
No obligation. Friendly advice. No jargon.